# Unity Bank

**Canonical:** https://apis.io/providers/unity-bank/  
**Website:** https://www.unitybank.com.au/  
**APIs profiled:** 7

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.

## Kin Score — 41.5 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 41.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 39.9 |
| Commercial Clarity | 31.6 |
| Access Clarity | 31.6 |

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

## Agent readiness — 34.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (7)

- **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

## MCP servers (1)

- **Unity Bank MCP Server**

## Agentic access (1)

- **Unity Bank Agentic Access** — 19 operations · 3 acting

## Security (2)

- **Unity Bank Authentication** — none · 0 schemes
- **Unity Bank Domain Security** — TLSv1.2 · HSTS · DMARC

## Tags

Financial, Banks, Open Banking, CDR, Consumer Data Right, 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/unity-bank/). Scores are computed from the provider's own public artifacts under a published rubric.