G&C Mutual Bank website screenshot

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
38.7/100 thin ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer Data RightConsumer BankingMutual BankAustralia

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 38.7/100 · thin
Contract Quality 13.3 / 25
Developer Ergonomics 8.3 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 65/100 · 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 0 / 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/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.

G&C Mutual Bank Banking Account Balances API

Banking Account Balance endpoints

G&C Mutual Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

G&C Mutual Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

G&C Mutual Bank Banking Account Transactions API

Banking Account Transaction endpoints

G&C Mutual Bank Banking Accounts API

Banking Account endpoints

G&C Mutual Bank Banking Payees API

Banking Payee endpoints

G&C Mutual 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.

gc-mutual-bank-mcp.yml

MCP SERVER

Security Posture 2

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

Gc Mutual Bank Authentication

none/oauth2/openIdConnect/mutualTLS · 3 schemes

SECURITY

Gc Mutual Bank Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Gc Mutual Bank Scopes

9 scopes

9 scopes

SCOPES

Agentic Access 1

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

Gc Mutual 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 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Lifecycle
Lifecycle
 DataModel
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
LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
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: '0.19'
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