# Teachers Mutual Bank

**Canonical:** https://apis.io/providers/teachers-mutual-bank/  
**Website:** https://www.tmbank.com.au/  
**APIs profiled:** 7

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.

## Kin Score — 46.9 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 46.9).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 39.5 |
| Developer Ergonomics | 56.5 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 53.2 (matched via tags).

## Agent readiness — 34.8 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| 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)

- **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

## MCP servers (1)

- **Teachers Mutual Bank MCP Server**

## Security (2)

- **Teachers Mutual Bank Authentication** — none/oauth2/openIdConnect · 2 schemes
- **Teachers Mutual Bank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Financial, Banks, Open Banking, CDR, Consumer Banking, Australia, Mutual Bank, Product Reference Data

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