Great Southern Bank

Great Southern Bank is one of Australia's largest customer-owned (mutual) banks, operating as a business name of Credit Union Australia Ltd (ABN 44 087 650 959, AFSL and Australian Credit Licence 238317). Formerly known as Credit Union Australia (CUA) before rebranding to Great Southern Bank in 2021, it is owned by its customers rather than shareholders and serves retail and small-business members with transaction accounts, savings, term deposits, home loans, credit cards, and insurance. As an Australian authorised deposit-taking institution (ADI) it participates in the Consumer Data Right (CDR / Open Banking) as a data holder, exposing public, unauthenticated Product Reference Data (PRD) APIs for both its retail and Business+ brands that conform to the Data Standards Body (DSB) Consumer Data Standards (CDS). Authenticated consumer data sharing is available only to accredited data recipients (ADRs) via the CDR ecosystem; the bank does not operate a self-serve public developer portal.

Great Southern Bank publishes 7 API contracts indexed 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 Finance, Banks, Open Banking, CDR, and Consumer Banking.

The Great Southern Bank catalog on APIs.io includes 1 Spectral governance ruleset.

Great Southern Bank’s developer surface includes authentication, API reference, developer portal, documentation, support, engineering blog, and 21 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

41.0/100 developing ▬ flat Agent 36/100 agent ready saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 1 Agent Skills

Finance Banks Open Banking CDR Consumer Banking Australia Customer Owned Product Reference Data

What this lets a business do 4

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Banking Account Direct DebitsBanking Account Scheduled PaymentsBanking Payees

GET /banking/payments/scheduled GET /banking/accounts/{accountId}/direct-debits GET /banking/payees

Personal Finance & Consumer Money

AE-190

Banking Account BalancesBanking Account Transactions

GET /banking/accounts/balances GET /banking/accounts/{accountId}/transactions

Banking Product Management

BC-1310

Banking Products

GET /banking/products

Deposits & Savings Management

BC-1330

Banking Accounts

GET /banking/accounts

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 41.0/100 · developing

Contract Quality 8.4 / 19

Developer Ergonomics 7.1 / 15

Access Clarity 4.3 / 15

Operational Transparency 0.8 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 6.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 36/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 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

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 28.9 — up to +14.2 composite points
Contract Quality scores 44.7 — up to +13.8 composite points
Operational Transparency scores 7.9 — up to +12.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/great-southern-bank/apis.yml: open an issue on github.com/api-evangelist/great-southern-bank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Australia Consumer Data Right register (accredited data recipients; banking, energy, non-bank lending)	regulated	38.3 (thin)	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	regulated	38.3 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 5

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Dynamic Client Registration

measured — observed by APIs.io (published)

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

Mutual TLS

measured — observed by APIs.io (declared)

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Great Southern Bank Banking Account Balances API

Banking Account Balance endpoints

Great Southern Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Great Southern Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Great Southern Bank Banking Account Transactions API

Banking Account Transaction endpoints

Great Southern Bank Banking Accounts API

Banking Account endpoints

Great Southern Bank Banking Payees API

Banking Payee endpoints

Great Southern Bank Banking Products API

Banking Product endpoints

Scroll for all 7

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

CDR Banking Banking Account Balances API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Direct Debits API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Scheduled Payments API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Account Transactions API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Accounts API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Payees API

OPEN COLLECTION

CDR Banking Banking Account Balances Banking Products API

OPEN COLLECTION

Scroll for all 7

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

Look up Great Southern Bank products

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Great Southern Bank API Rules

68 rules · 62 errors 5 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Great Southern Bank Cds Banking Products Overlay

4 actions · update · great-southern-bank-cds-banking-products-openapi.yml

DERIVED

Security Posture 2

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

Great Southern Bank Authentication

none/oauth2/openIdConnect/mutualTLS · 4 schemes

SECURITY

Great Southern Bank Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Great Southern Bank Scopes

13 scopes · authorizationCode

13 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

Portal

Portal

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

APIReference

APIReference

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

OAuthScopes

Compliance

Operate 2

Status, limits, changes, and where to get help

Deprecation

Deprecation

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 3

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

OpenIDConnect

OpenIDConnect

Source (apis.yml)

aid: great-southern-bank
url: https://raw.githubusercontent.com/api-evangelist/great-southern-bank/refs/heads/main/apis.yml
name: Great Southern Bank
kind: company
description: Great Southern Bank is one of Australia's largest customer-owned (mutual) banks, operating as a business name
  of Credit Union Australia Ltd (ABN 44 087 650 959, AFSL and Australian Credit Licence 238317). Formerly known as Credit
  Union Australia (CUA) before rebranding to Great Southern Bank in 2021, it is owned by its customers rather than shareholders
  and serves retail and small-business members with transaction accounts, savings, term deposits, home loans, credit cards,
  and insurance. As an Australian authorised deposit-taking institution (ADI) it participates in the Consumer Data Right (CDR
  / Open Banking) as a data holder, exposing public, unauthenticated Product Reference Data (PRD) APIs for both its retail
  and Business+ brands that conform to the Data Standards Body (DSB) Consumer Data Standards (CDS). Authenticated consumer
  data sharing is available only to accredited data recipients (ADRs) via the CDR ecosystem; the bank does not operate a self-serve
  public developer portal.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/great-southern-bank.png
tags:
- Finance
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Customer Owned
- Product Reference Data
tags_raw:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Customer Owned
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-22'
specificationVersion: '0.23'
apis:
- aid: great-southern-bank:great-southern-bank-banking-account-balances-api
  name: Great Southern Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.greatsouthernbank.com.au/open-banking
  baseURL: https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/great-southern-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.greatsouthernbank.com.au/consumer-data-policy
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
- aid: great-southern-bank:great-southern-bank-banking-account-direct-debits-api
  name: Great Southern Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.greatsouthernbank.com.au/open-banking
  baseURL: https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/great-southern-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.greatsouthernbank.com.au/consumer-data-policy
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
- aid: great-southern-bank:great-southern-bank-banking-account-scheduled-payments-api
  name: Great Southern Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.greatsouthernbank.com.au/open-banking
  baseURL: https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/great-southern-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.greatsouthernbank.com.au/consumer-data-policy
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
- aid: great-southern-bank:great-southern-bank-banking-account-transactions-api
  name: Great Southern Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.greatsouthernbank.com.au/open-banking
  baseURL: https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/great-southern-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.greatsouthernbank.com.au/consumer-data-policy
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
- aid: great-southern-bank:great-southern-bank-banking-accounts-api
  name: Great Southern Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.greatsouthernbank.com.au/open-banking
  baseURL: https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/great-southern-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.greatsouthernbank.com.au/consumer-data-policy
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
- aid: great-southern-bank:great-southern-bank-banking-payees-api
  name: Great Southern Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.greatsouthernbank.com.au/open-banking
  baseURL: https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/great-southern-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.greatsouthernbank.com.au/consumer-data-policy
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
- aid: great-southern-bank:great-southern-bank-banking-products-api
  name: Great Southern Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.greatsouthernbank.com.au/open-banking
  baseURL: https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/great-southern-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.greatsouthernbank.com.au/consumer-data-policy
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
common:
- type: CapabilityMap
  url: capabilities/great-southern-bank-capability-edges.yml
  name: Great Southern Bank Business Capability Map
- type: DomainSecurity
  url: security/great-southern-bank-domain-security.yml
- type: Authentication
  url: authentication/great-southern-bank-authentication.yml
- type: OAuthScopes
  url: scopes/great-southern-bank-scopes.yml
- type: Conventions
  url: conventions/great-southern-bank-conventions.yml
- type: ErrorCatalog
  url: errors/great-southern-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/great-southern-bank-lifecycle.yml
- type: Deprecation
  url: lifecycle/great-southern-bank-lifecycle.yml
- type: Conformance
  url: conformance/great-southern-bank-conformance.yml
- type: Compliance
  url: conformance/great-southern-bank-conformance.yml
- type: DataModel
  url: data-model/great-southern-bank-data-model.yml
- type: Overlay
  url: overlays/great-southern-bank-cds-banking-products-overlay.yaml
- type: WellKnown
  url: well-known/great-southern-bank-well-known.yml
- type: OpenIDConnect
  url: well-known/great-southern-bank-openid-configuration.json
- type: X-MCPServerCandidate
  url: mcp/great-southern-bank-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/great-southern-bank-llms.txt
- type: AgentSkill
  url: skills/great-southern-bank-lookup-products.md
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#consumer-data-standards-banking-apis
- type: Portal
  url: https://www.greatsouthernbank.com.au/open-banking
- type: DeveloperPortal
  url: https://www.greatsouthernbank.com.au/open-banking
- type: Website
  url: https://www.greatsouthernbank.com.au/
- type: Documentation
  url: https://www.greatsouthernbank.com.au/consumer-data-policy
- type: LinkedIn
  url: https://www.linkedin.com/company/great-southern-bank
- type: TermsOfService
  url: https://www.greatsouthernbank.com.au/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.greatsouthernbank.com.au/privacy-policy
- type: Support
  url: https://www.greatsouthernbank.com.au/help-and-contact/support
- type: Blog
  url: https://www.greatsouthernbank.com.au/about/news
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Great Southern Bank API — frequently asked questions

Does Great Southern Bank have an API?

Yes. APIs.io lists 7 APIs from Great Southern Bank, including Great Southern Bank Banking Account Balances API, Great Southern Bank Banking Account Direct Debits API and Great Southern Bank Banking Account Scheduled Payments API, and 4 more.

Is there an OpenAPI specification for the Great Southern Bank API?

Yes. APIs.io indexes 7 OpenAPI specifications for Great Southern Bank, each linked for download from this page.

How do I authenticate with the Great Southern Bank API?

Great Southern Bank documents its authentication (none/oauth2/openIdConnect/mutualTLS · 4 schemes). The details are profiled on APIs.io as Great Southern Bank Authentication.

Is the Great Southern Bank API ready for AI agents?

Great Southern Bank has a Kin Score of 41.0 out of 100 (developing) and an Agent Readiness score of 36.1 (agent-ready), scored by API Evangelist on 2026-11-06.

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