aid: australian-unity-bank url: https://raw.githubusercontent.com/api-evangelist/australian-unity-bank/refs/heads/main/apis.yml name: Australian Unity Bank kind: company description: Australian Unity Bank Limited is the banking arm of Australian Unity, a member-owned Australian mutual founded in Melbourne in 1840 with origins in the friendly-societies movement and a group spanning health insurance, wealth management, aged and home care, retirement living, and banking. The bank traces to Big Sky Credit Union, which merged with Australian Unity in 2012, became Big Sky Building Society Limited, and was later renamed Australian Unity Bank Limited; it offers everyday transaction and savings accounts, term deposits, and home loans to members as an APRA-authorised deposit-taking institution (ADI) covered by the Financial Claims Scheme. On its Consumer Data Right (CDR / Open Banking) posture, Australian Unity Bank is a genuine ADI and operates a real CDR Open Banking gateway at open-banking.australianunity.com.au (CloudFront-fronted), which as a mandated data holder exposes the full DSB Consumer Data Standards (CDS) Banking API surface under the /cds-au/v1/banking prefix - the public Product Reference Data (PRD) endpoints plus the consumer-authorized Accounts, Balances, Transactions, Direct Debits, Scheduled Payments, and Payees endpoints. A July 2026 probe from a non-AU IP returned HTTP 403 across x-v 1-4 (typical WAF / geo / accreditation gating on CDR hosts), so payloads could not be captured verbatim, but the host resolves and responds - confirming Australian Unity as a live data-holder surface. The bank publishes no separate first-party developer portal or open-banking API documentation beyond CDR (its api.australianunity.com.au host serves only a webMethods Integration Server admin page, not documented APIs); the API contract is the shared DSB Consumer Data Standards. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Financial - Banks - Open Banking - CDR - Consumer Banking - Australia - Mutual - Product Reference Data created: '2026-07-20' modified: '2026-07-21' specificationVersion: '0.19' apis: - aid: australian-unity-bank:australian-unity-bank-cdr-product-reference-data-api name: Australian Unity Bank CDR Product Reference Data API tags: - Open Banking - CDR - Product Reference Data - Banking - Products - Public image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-products baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking/products properties: - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-products type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products type: APIReference - url: openapi/australian-unity-bank-cds-banking-openapi.json type: OpenAPI - url: https://www.cdr.gov.au/for-providers/how-find-data-holders-product-data-request-service type: Provenance description: >- Public, unauthenticated Product Reference Data (PRD) endpoints under the Consumer Data Right: GET /cds-au/v1/banking/products and GET /cds-au/v1/banking/products/{productId}, which every active Australian ADI must expose under the DSB Consumer Data Standards. They return machine-readable product, rate, fee, and eligibility data as JSON with the mandatory CDS `x-v` version header. Australian Unity Bank serves these from its real CDR gateway https://open-banking.australianunity.com.au (CloudFront-fronted). Probed 2026-07-21 from a non-AU IP: GET /cds-au/v1/banking/products returned HTTP 403 Forbidden across x-v 1-4 (typical WAF/geo/accreditation gating on CDR PRD hosts), so product JSON could not be captured verbatim, but the host resolves and responds, confirming a live data-holder surface. The contract is the shared DSB Consumer Data Standards Banking OpenAPI (v1.36.0, OpenAPI 3.0.3) harvested verbatim from the Data Standards Body, not a bank-proprietary spec. - aid: australian-unity-bank:australian-unity-bank-cdr-accounts-balances-api name: Australian Unity Bank CDR Accounts & Balances API tags: - CDR - Open Banking - Accounts - Balances - Banking - Consumer Authorized image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking/accounts properties: - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-accounts type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts type: APIReference - url: openapi/australian-unity-bank-cds-banking-openapi.json type: OpenAPI description: >- Consumer-authorized account and balance endpoints under the Consumer Data Right, served from Australian Unity Bank's CDR host https://open-banking.australianunity.com.au/cds-au/v1. Covers GET /banking/accounts (list of authorized accounts), GET /banking/accounts/balances (bulk balances), GET /banking/accounts/{accountId}/balance (single balance), and GET /banking/accounts/{accountId} (account detail). Access requires an ACCC- accredited data recipient (ADR), an eligible member's consent, and the CDR security profile (OIDC/FAPI, mTLS); the host rejects unauthenticated requests (probed 2026-07-21: HTTP 403). The contract is the shared DSB Consumer Data Standards Banking OpenAPI (v1.36.0), not a bank-proprietary specification. - aid: australian-unity-bank:australian-unity-bank-cdr-transactions-api name: Australian Unity Bank CDR Transactions API tags: - CDR - Open Banking - Transactions - Banking - Consumer Authorized image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking/accounts properties: - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-transactions type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions type: APIReference - url: openapi/australian-unity-bank-cds-banking-openapi.json type: OpenAPI description: >- Consumer-authorized transaction endpoints under the Consumer Data Right, served from https://open-banking.australianunity.com.au/cds-au/v1. Covers GET /banking/accounts/{accountId}/transactions (transactions for an account, with date and amount filters) and GET /banking/accounts/{accountId}/transactions/{transactionId} (transaction detail). Access requires an ACCC-accredited data recipient, the member's consent, and the CDR security profile (OIDC/FAPI, mTLS); the host rejects unauthenticated requests (probed 2026-07-21: HTTP 403). The contract is the shared DSB Consumer Data Standards Banking OpenAPI (v1.36.0), not a bank-proprietary specification. - aid: australian-unity-bank:australian-unity-bank-cdr-direct-debits-scheduled-payments-api name: Australian Unity Bank CDR Direct Debits & Scheduled Payments API tags: - CDR - Open Banking - Direct Debits - Scheduled Payments - Banking - Consumer Authorized image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking properties: - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-direct-debits type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits type: APIReference - url: openapi/australian-unity-bank-cds-banking-openapi.json type: OpenAPI description: >- Consumer-authorized direct-debit and scheduled-payment endpoints under the Consumer Data Right, served from https://open-banking.australianunity.com.au/cds-au/v1. Covers GET /banking/accounts/{accountId}/direct-debits and POST /banking/accounts/direct-debits (bulk), plus GET /banking/accounts/{accountId}/payments/scheduled and POST /banking/payments/scheduled (bulk scheduled payments). Access requires an ACCC-accredited data recipient, the member's consent, and the CDR security profile (OIDC/FAPI, mTLS); the host rejects unauthenticated requests (probed 2026-07-21: HTTP 403). The contract is the shared DSB Consumer Data Standards Banking OpenAPI (v1.36.0), not a bank-proprietary specification. - aid: australian-unity-bank:australian-unity-bank-cdr-payees-api name: Australian Unity Bank CDR Payees API tags: - CDR - Open Banking - Payees - Banking - Consumer Authorized image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees baseURL: https://open-banking.australianunity.com.au/cds-au/v1/banking/payees properties: - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-payees type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees type: APIReference - url: openapi/australian-unity-bank-cds-banking-openapi.json type: OpenAPI description: >- Consumer-authorized saved-payee endpoints under the Consumer Data Right, served from https://open-banking.australianunity.com.au/cds-au/v1. Covers GET /banking/payees (list of the member's saved payees) and GET /banking/payees/{payeeId} (payee detail, including domestic, biller, and international payee unions). Access requires an ACCC-accredited data recipient, the member's consent, and the CDR security profile (OIDC/FAPI, mTLS); the host rejects unauthenticated requests (probed 2026-07-21: HTTP 403). The contract is the shared DSB Consumer Data Standards Banking OpenAPI (v1.36.0), not a bank-proprietary specification. common: - type: AgenticAccess url: agentic-access/australian-unity-bank-agentic-access.yml - type: DomainSecurity url: security/australian-unity-bank-domain-security.yml - type: Authentication url: authentication/australian-unity-bank-authentication.yml - type: OAuthScopes url: scopes/australian-unity-bank-scopes.yml - type: Conventions url: conventions/australian-unity-bank-conventions.yml - type: ErrorCatalog url: errors/australian-unity-bank-problem-types.yml - type: Conformance url: conformance/australian-unity-bank-conformance.yml - type: DataModel url: data-model/australian-unity-bank-data-model.yml - type: Lifecycle url: lifecycle/australian-unity-bank-lifecycle.yml - type: MCPServer url: mcp/australian-unity-bank-mcp.yml - type: Overlay url: overlays/australian-unity-bank-cds-banking-overlay.yaml - type: AgentSkill url: skills/_index.yml - type: Documentation url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis - type: APIReference url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api - type: LLMsTxt url: llms/australian-unity-bank-llms.txt - type: Website url: https://www.australianunity.com.au/ - type: OpenBanking url: https://www.australianunity.com.au/banking/open-banking - type: LinkedIn url: https://www.linkedin.com/company/australian-unity/ - type: PrivacyPolicy url: https://www.australianunity.com.au/privacy-policy - type: TermsOfService url: https://www.australianunity.com.au/terms-and-conditions maintainers: - FN: Kin Lane email: kin@apievangelist.com