Teachers Mutual Bank website screenshot

Teachers Mutual Bank

Teachers Mutual Bank is an Australian customer-owned mutual bank and a brand of Teachers Mutual Bank Limited (TMBL), an authorised deposit-taking institution (ADI) regulated by APRA that also operates UniBank, Firefighters Mutual Bank, Health Professionals Bank and Hiver. As a member-owned bank it returns value to members rather than external shareholders and serves teachers, education staff and the wider community. Under Australia's Consumer Data Right (CDR / Open Banking), Teachers Mutual Bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data Standards, letting anyone retrieve its banking product catalogue. Consumer (account and transaction) data sharing is available to accredited data recipients through the authenticated CDR channel using the OAuth2 / OpenID Connect FAPI security profile.

Teachers 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 Banking.

Teachers Mutual Bank’s developer surface includes authentication, API reference, getting-started guide, documentation, support, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub
50.4/100 developing ▬ flat Agent 58/100 agent ready Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer BankingAustraliaMutual BankProduct Reference Data

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 50.4/100 · developing
Contract Quality 13.5 / 25
Developer Ergonomics 13.0 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 5.1 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 58/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 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 7 / 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/teachers-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.

Teachers Mutual Bank Banking Account Balances API

Banking Account Balance endpoints

Teachers Mutual Bank Banking Account Direct Debits API

Banking Account Direct Debit endpoints

Teachers Mutual Bank Banking Account Scheduled Payments API

Banking Account Scheduled Payment endpoints

Teachers Mutual Bank Banking Account Transactions API

Banking Account Transaction endpoints

Teachers Mutual Bank Banking Accounts API

Banking Account endpoints

Teachers Mutual Bank Banking Payees API

Banking Payee endpoints

Teachers 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.

teachers-mutual-bank-mcp.yml

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

Teachers Mutual Bank Rate Limits

2 limits

RATE LIMITS

Security Posture 2

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

Teachers Mutual Bank Authentication

none/oauth2/openIdConnect · 2 schemes

SECURITY

Teachers Mutual Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Teachers Mutual Bank Scopes

5 scopes

5 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted
GettingStarted
 DeveloperPortal
DeveloperPortal

Documentation 2

Reference material describing how the API behaves

APIReference
APIReference
 Documentation
Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes
 Security
Security

Operate 3

Status, limits, changes, and where to get help

RateLimits
RateLimits
 Deprecation
Deprecation
 Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Other 2

Properties that don't map to a standard resource type

Overlay
Overlay
 ParentOrganization
ParentOrganization

Source (apis.yml)

apis.yml Raw ↑ 
aid: teachers-mutual-bank
url: https://raw.githubusercontent.com/api-evangelist/teachers-mutual-bank/refs/heads/main/apis.yml
name: Teachers Mutual Bank
kind: company
description: Teachers Mutual Bank is an Australian customer-owned mutual bank and a brand of Teachers Mutual Bank Limited
  (TMBL), an authorised deposit-taking institution (ADI) regulated by APRA that also operates UniBank, Firefighters Mutual
  Bank, Health Professionals Bank and Hiver. As a member-owned bank it returns value to members rather than external shareholders
  and serves teachers, education staff and the wider community. Under Australia's Consumer Data Right (CDR / Open Banking),
  Teachers Mutual Bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the Data Standards
  Body (DSB) Consumer Data Standards, letting anyone retrieve its banking product catalogue. Consumer (account and transaction)
  data sharing is available to accredited data recipients through the authenticated CDR channel using the OAuth2 / OpenID
  Connect FAPI security profile.
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/teachers-mutual-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: teachers-mutual-bank:teachers-mutual-bank-banking-account-balances-api
  name: Teachers Mutual Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/teachers-mutual-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.tmbank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: teachers-mutual-bank:teachers-mutual-bank-banking-account-direct-debits-api
  name: Teachers Mutual Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/teachers-mutual-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.tmbank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: teachers-mutual-bank:teachers-mutual-bank-banking-account-scheduled-payments-api
  name: Teachers Mutual Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/teachers-mutual-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.tmbank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: teachers-mutual-bank:teachers-mutual-bank-banking-account-transactions-api
  name: Teachers Mutual Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/teachers-mutual-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.tmbank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: teachers-mutual-bank:teachers-mutual-bank-banking-accounts-api
  name: Teachers Mutual Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/teachers-mutual-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.tmbank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: teachers-mutual-bank:teachers-mutual-bank-banking-payees-api
  name: Teachers Mutual Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/teachers-mutual-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.tmbank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- aid: teachers-mutual-bank:teachers-mutual-bank-banking-products-api
  name: Teachers Mutual Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/teachers-mutual-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.tmbank.com.au/open-banking
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
common:
- type: DomainSecurity
  url: security/teachers-mutual-bank-domain-security.yml
- type: Authentication
  url: authentication/teachers-mutual-bank-authentication.yml
- type: Conventions
  url: conventions/teachers-mutual-bank-conventions.yml
- type: ErrorCatalog
  url: errors/teachers-mutual-bank-problem-types.yml
- type: RateLimits
  url: rate-limits/teachers-mutual-bank-rate-limits.yml
- type: Lifecycle
  url: lifecycle/teachers-mutual-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conformance
  url: conformance/teachers-mutual-bank-conformance.yml
- type: OAuthScopes
  url: scopes/teachers-mutual-bank-scopes.yml
- type: DataModel
  url: data-model/teachers-mutual-bank-data-model.yml
- type: MCPServer
  url: mcp/teachers-mutual-bank-mcp.yml
- type: LLMsTxt
  url: llms/teachers-mutual-bank-llms.txt
- type: Overlay
  url: overlays/teachers-mutual-bank-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- type: GettingStarted
  url: https://www.tmbank.com.au/open-banking
- type: TermsOfService
  url: https://www.tmbank.com.au/important-information
- type: Website
  url: https://www.tmbank.com.au/
- type: DeveloperPortal
  url: https://www.tmbank.com.au/open-banking
- type: Documentation
  url: https://www.tmbank.com.au/open-banking
- type: LinkedIn
  url: https://www.linkedin.com/company/teachers-mutual-bank
- type: PrivacyPolicy
  url: https://www.tmbank.com.au/privacy
- type: Security
  url: https://www.tmbank.com.au/security
- type: Support
  url: https://www.tmbank.com.au/contact
- type: ParentOrganization
  url: https://www.tmbl.com.au/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com