Unity Bank
Unity Bank Limited (ABN 72 087 650 637, AFSL & Australian Credit Licence 238311, BSB 659 000) is an Australian member-owned mutual bank that consolidated the Unity Bank and Reliance Bank brands under a single Unity Bank identity. As an authorised deposit-taking institution (ADI) it offers transaction and savings accounts, term deposits, home loans, personal loans, credit cards, business banking, and wealth services to its members across Australia. Under the Australian Consumer Data Right (CDR / open banking), Unity Bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards, served on a shared CDR platform (ibank.gcmutualbank.com.au) and documented on the bank's public APIs page. Broader consumer data sharing follows the CDR Accredited Data Recipient (ADR) model and is out of scope of the public PRD surface.
Unity 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 Data Right.
The Unity Bank catalog on APIs.io includes 1 Spectral governance ruleset.
Unity Bank’s developer surface includes authentication, developer portal, documentation, engineering blog, pricing, support, and 18 more developer resources.
What this lets a business do 2
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
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 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 2
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.
APIs 7
Individual APIs this provider publishes, each with its own machine-readable definition.
Unity Bank Banking Account Balances API
Banking Account Balance endpoints
Unity Bank Banking Account Direct Debits API
Banking Account Direct Debit endpoints
Unity Bank Banking Account Scheduled Payments API
Banking Account Scheduled Payment endpoints
Unity Bank Banking Account Transactions API
Banking Account Transaction endpoints
Unity Bank Banking Accounts API
Banking Account endpoints
Unity Bank Banking Payees API
Banking Payee endpoints
Unity 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 COLLECTIONCDR Banking Banking Account Balances Banking Accounts API
OPEN COLLECTIONCDR Banking Banking Account Balances Banking Payees API
OPEN COLLECTIONCDR Banking Banking Account Balances Banking Products API
OPEN COLLECTIONScroll for all 7
Agent Skills 1
Packaged agent skills for driving this provider's APIs from an AI assistant.
Unity Bank product reference lookup
AGENT SKILLUnity Bank API pricing
Pricing Plans 1
Published pricing tiers and plan structures.
Spectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Unity Bank API Rules
SPECTRALOpenAPI 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.
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 1
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Access & Security 3
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 2
Properties that don't map to a standard resource type
Source (apis.yml)
Unity Bank API — frequently asked questions
Does Unity Bank have an API?
Yes. APIs.io lists 7 APIs from Unity Bank, including Unity Bank Banking Account Balances API, Unity Bank Banking Account Direct Debits API and Unity Bank Banking Account Scheduled Payments API, and 4 more.
Is there an OpenAPI specification for the Unity Bank API?
Yes. APIs.io indexes 7 OpenAPI specifications for Unity Bank, each linked for download from this page.
How do I authenticate with the Unity Bank API?
Unity Bank uses bearer-token authentication (none · 0 schemes). The details are profiled on APIs.io as Unity Bank Authentication.
Is the Unity Bank API ready for AI agents?
Unity Bank has a Kin Score of 38.6 out of 100 (thin) and an Agent Readiness score of 25.5 (agent-aware), scored by API Evangelist on 2026-11-06.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.