Unity Bank website screenshot

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 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 Data Right.

Unity Bank’s developer surface includes authentication, developer portal, documentation, engineering blog, pricing, support, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
46.0/100 developing ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
7 APIs 1 MCP Servers
FinancialBanksOpen BankingCDRConsumer Data RightConsumer BankingAustraliaMutual BankProduct Reference Data

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 46.0/100 · developing
Contract Quality 13.4 / 25
Developer Ergonomics 10.0 / 20
Commercial Clarity 6.3 / 20
Operational Transparency 1.0 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 65/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 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 0 / 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/unity-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.

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

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

unity-bank-mcp.yml

MCP SERVER

Security Posture 2

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

Unity Bank Authentication

none · 0 schemes

SECURITY

Unity Bank Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Unity Bank Scopes

5 scopes · authorizationCode

5 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Unity Bank Agentic Access

19 operations · 3 acting

19 operations · 3 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

Portal
Portal

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 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 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 2

Status, limits, changes, and where to get help

Deprecation
Deprecation
 Support
Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: unity-bank
url: https://raw.githubusercontent.com/api-evangelist/unity-bank/refs/heads/main/apis.yml
name: Unity Bank
kind: company
description: 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.
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/unity-bank.png
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: unity-bank:unity-bank-banking-account-balances-api
  name: Unity Bank Banking Account Balances API
  description: Banking Account Balance endpoints
  humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1
  tags:
  - Banking Account Balances
  properties:
  - type: OpenAPI
    url: openapi/unity-bank-banking-account-balances-api-openapi.yml
  - type: Documentation
    url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: unity-bank:unity-bank-banking-account-direct-debits-api
  name: Unity Bank Banking Account Direct Debits API
  description: Banking Account Direct Debit endpoints
  humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1
  tags:
  - Banking Account Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/unity-bank-banking-account-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: unity-bank:unity-bank-banking-account-scheduled-payments-api
  name: Unity Bank Banking Account Scheduled Payments API
  description: Banking Account Scheduled Payment endpoints
  humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1
  tags:
  - Banking Account Scheduled Payments
  properties:
  - type: OpenAPI
    url: openapi/unity-bank-banking-account-scheduled-payments-api-openapi.yml
  - type: Documentation
    url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: unity-bank:unity-bank-banking-account-transactions-api
  name: Unity Bank Banking Account Transactions API
  description: Banking Account Transaction endpoints
  humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1
  tags:
  - Banking Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/unity-bank-banking-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: unity-bank:unity-bank-banking-accounts-api
  name: Unity Bank Banking Accounts API
  description: Banking Account endpoints
  humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1
  tags:
  - Banking Accounts
  properties:
  - type: OpenAPI
    url: openapi/unity-bank-banking-accounts-api-openapi.yml
  - type: Documentation
    url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: unity-bank:unity-bank-banking-payees-api
  name: Unity Bank Banking Payees API
  description: Banking Payee endpoints
  humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1
  tags:
  - Banking Payees
  properties:
  - type: OpenAPI
    url: openapi/unity-bank-banking-payees-api-openapi.yml
  - type: Documentation
    url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
- aid: unity-bank:unity-bank-banking-products-api
  name: Unity Bank Banking Products API
  description: Banking Product endpoints
  humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1
  tags:
  - Banking Products
  properties:
  - type: OpenAPI
    url: openapi/unity-bank-banking-products-api-openapi.yml
  - type: Documentation
    url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-products
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account
  - type: APIReference
    url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees
common:
- type: AgenticAccess
  url: agentic-access/unity-bank-agentic-access.yml
- type: DomainSecurity
  url: security/unity-bank-domain-security.yml
- type: Authentication
  url: authentication/unity-bank-authentication.yml
- type: OAuthScopes
  url: scopes/unity-bank-scopes.yml
- type: Conventions
  url: conventions/unity-bank-conventions.yml
- type: ErrorCatalog
  url: errors/unity-bank-problem-types.yml
- type: Lifecycle
  url: lifecycle/unity-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conformance
  url: conformance/unity-bank-conformance.yml
- type: DataModel
  url: data-model/unity-bank-data-model.yml
- type: MCPServer
  url: mcp/unity-bank-mcp.yml
- type: LLMsTxt
  url: llms/unity-bank-llms.txt
- type: Overlay
  url: overlays/unity-bank-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.unitybank.com.au/
- type: Portal
  url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/
- type: Documentation
  url: https://www.unity.bank/about-us/corporate-information/open-banking/
- type: Blog
  url: https://www.unitybank.com.au/latest-news-blog/articles/
- type: Pricing
  url: https://www.unitybank.com.au/help/rates-fees/view-all-rates-fees/
- type: TermsOfService
  url: https://www.unitybank.com.au/about-us/corporate-information/disclosure-documents/
- type: PrivacyPolicy
  url: https://www.unitybank.com.au/about-us/privacy/
- type: Support
  url: https://www.unitybank.com.au/talk-to-us/contact-us/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com