G&C Mutual Bank

G&C Mutual Bank is an Australian customer-owned mutual bank and authorised deposit-taking institution (ADI) providing retail and business banking to its members, including home loans, transaction and savings accounts, and credit cards. It merged with Unity Bank effective 7 March 2025, with the combined entity renamed Unity Bank Limited from 1 July 2025; the G&C Mutual Bank brand and its digital banking host (gcmutualbank.com.au) remain operational during the multi-brand consolidation, while the public website gcmutual.bank now redirects to unity.bank. Under Australia's Consumer Data Right (CDR / Open Banking) the bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, alongside the authenticated consumer-data (accounts and transactions) surface that is restricted to accredited data recipients under the CDR ADR model.

G&C Mutual 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 Data Right.

G&C Mutual Bank’s developer surface includes authentication, documentation, support, engineering blog, and 15 more developer resources.

🌐 Visit website 📡 Source on GitHub

33.2/100 thin ▬ flat Agent 34/100 agent ready Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

7 APIs 1 MCP Servers

Financial Banks Open Banking CDR Consumer Data Right Consumer Banking Mutual Bank Australia

Kin Score

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

Composite quality — 33.2/100 · thin

Contract Quality 10.8 / 21

Developer Ergonomics 3.7 / 17

Access Clarity 0.9 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.7 / 10

Discoverability 6.9 / 9

Regulatory Posture 9.5 / 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/gc-mutual-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.

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

LLMsTxt

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Conformance

Lifecycle

DataModel

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: gc-mutual-bank
url: https://raw.githubusercontent.com/api-evangelist/gc-mutual-bank/refs/heads/main/apis.yml
name: G&C Mutual Bank
kind: company
description: G&C Mutual Bank is an Australian customer-owned mutual bank and authorised deposit-taking institution (ADI) providing
  retail and business banking to its members, including home loans, transaction and savings accounts, and credit cards. It
  merged with Unity Bank effective 7 March 2025, with the combined entity renamed Unity Bank Limited from 1 July 2025; the
  G&C Mutual Bank brand and its digital banking host (gcmutualbank.com.au) remain operational during the multi-brand consolidation,
  while the public website gcmutual.bank now redirects to unity.bank. Under Australia's Consumer Data Right (CDR / Open Banking)
  the bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB)
  Consumer Data Standards, alongside the authenticated consumer-data (accounts and transactions) surface that is restricted
  to accredited data recipients under the CDR ADR model.
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/gc-mutual-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Mutual Bank
- Australia
created: '2026-07-20'
modified: '2026-07-21T00:00:00Z'
specificationVersion: '0.23'
apis:
- aid: gc-mutual-bank:gc-mutual-bank-banking-account-balances-api
  name: G&C Mutual Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/gc-mutual-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://unity.bank/about-us/corporate-information/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: gc-mutual-bank:gc-mutual-bank-banking-account-direct-debits-api
  name: G&C Mutual Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/gc-mutual-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://unity.bank/about-us/corporate-information/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: gc-mutual-bank:gc-mutual-bank-banking-account-scheduled-payments-api
  name: G&C Mutual Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/gc-mutual-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://unity.bank/about-us/corporate-information/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: gc-mutual-bank:gc-mutual-bank-banking-account-transactions-api
  name: G&C Mutual Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/gc-mutual-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://unity.bank/about-us/corporate-information/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: gc-mutual-bank:gc-mutual-bank-banking-accounts-api
  name: G&C Mutual Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/gc-mutual-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://unity.bank/about-us/corporate-information/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: gc-mutual-bank:gc-mutual-bank-banking-payees-api
  name: G&C Mutual Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/gc-mutual-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://unity.bank/about-us/corporate-information/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
- aid: gc-mutual-bank:gc-mutual-bank-banking-products-api
  name: G&C Mutual Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/gc-mutual-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://unity.bank/about-us/corporate-information/open-banking/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
common:
- type: AgenticAccess
  url: agentic-access/gc-mutual-bank-agentic-access.yml
- type: DomainSecurity
  url: security/gc-mutual-bank-domain-security.yml
- type: Authentication
  url: authentication/gc-mutual-bank-authentication.yml
- type: OAuthScopes
  url: scopes/gc-mutual-bank-scopes.yml
- type: Conventions
  url: conventions/gc-mutual-bank-conventions.yml
- type: ErrorCatalog
  url: errors/gc-mutual-bank-problem-types.yml
- type: Conformance
  url: conformance/gc-mutual-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/gc-mutual-bank-lifecycle.yml
- type: MCPServer
  url: mcp/gc-mutual-bank-mcp.yml
- type: LLMsTxt
  url: llms/gc-mutual-bank-llms.txt
- type: Overlay
  url: overlays/gc-mutual-bank-cds-banking-products-overlay.yaml
- type: DataModel
  url: data-model/gc-mutual-bank-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://unity.bank/
- type: Documentation
  url: https://unity.bank/about-us/corporate-information/open-banking/
- type: PrivacyPolicy
  url: https://unity.bank/about-us/privacy/
- type: Support
  url: https://unity.bank/talk-to-us/contact-us/
- type: Blog
  url: https://unity.bank/latest-news/
- type: LinkedIn
  url: https://www.linkedin.com/company/unity-bank
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

G&C Mutual Bank

Kin Score

APIs 7

G&C Mutual Bank Banking Account Balances API

G&C Mutual Bank Banking Account Direct Debits API

G&C Mutual Bank Banking Account Scheduled Payments API

G&C Mutual Bank Banking Account Transactions API

G&C Mutual Bank Banking Accounts API

G&C Mutual Bank Banking Payees API

G&C Mutual 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

G&C Mutual Bank MCP Server

Security Posture 2

Gc Mutual Bank Authentication

Gc Mutual Bank Domain Security