# G&C Mutual Bank

**Canonical:** https://apis.io/providers/gc-mutual-bank/  
**Website:** https://unity.bank/  
**APIs profiled:** 7

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.

## Kin Score — 33.2 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 33.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 22.0 |
| Commercial Clarity | 5.3 |
| Access Clarity | 5.3 |

Regulatory layer — **Banking & Open Finance**: 63.3 (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)

- **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

## MCP servers (1)

- **G&C Mutual Bank MCP Server**

## Agentic access (1)

- **Gc Mutual Bank Agentic Access** — 19 operations · 3 acting

## Security (2)

- **Gc Mutual Bank Authentication** — none/oauth2/openIdConnect/mutualTLS · 3 schemes
- **Gc Mutual Bank Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

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

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