aid: gc-mutual-bank
url: https://raw.githubusercontent.com/api-evangelist/gc-mutual-bank/refs/heads/main/apis.yml
name: G&C Mutual Bank
kind: company
description: G&C Mutual Bank is an Australian customer-owned mutual bank and authorised
  deposit-taking institution (ADI) providing retail and business banking to its members,
  including home loans, transaction and savings accounts, and credit cards. It merged
  with Unity Bank effective 7 March 2025, with the combined entity renamed Unity Bank
  Limited from 1 July 2025; the G&C Mutual Bank brand and its digital banking host
  (gcmutualbank.com.au) remain operational during the multi-brand consolidation, while
  the public website gcmutual.bank now redirects to unity.bank. Under Australia's Consumer
  Data Right (CDR / Open Banking) the bank exposes a public, unauthenticated Product
  Reference Data (PRD) API conforming to the Data Standards Body (DSB) Consumer Data
  Standards, alongside the authenticated consumer-data (accounts and transactions)
  surface that is restricted to accredited data recipients under the CDR ADR model.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Data Right
- Consumer Banking
- Mutual Bank
- Australia
created: '2026-07-20'
modified: '2026-07-21T00:00:00Z'
specificationVersion: '0.19'
apis:
- aid: gc-mutual-bank:gc-mutual-bank-cdr-product-reference-data-api
  name: G&C Mutual Bank CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking Products
  - Public API
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/products
  properties:
  - url: https://unity.bank/about-us/corporate-information/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products
    type: APIReference
  - url: openapi/gc-mutual-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public, unauthenticated Consumer Data Right Product Reference Data (PRD)
    API exposing G&C Mutual Bank's banking products - eligibility, features, pricing,
    rates, and links to terms - via GET /banking/products and GET /banking/products/{productId}
    under the standard CDS path /cds-au/v1/banking/products. Confirmed live returning
    HTTP 200 at supported header version x-v 4 (x-v 4 and 5 available; x-v 3 rejected
    406 UnsupportedVersion). The contract is the shared DSB Consumer Data Standards
    CDR Banking API, not a bank-proprietary specification.
- aid: gc-mutual-bank:gc-mutual-bank-cdr-accounts-balances-api
  name: G&C Mutual Bank CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/accounts
  properties:
  - url: https://unity.bank/about-us/corporate-information/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-accounts
    type: APIReference
  - url: openapi/gc-mutual-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right accounts and balances surface
    exposing GET /banking/accounts, GET /banking/accounts/balances (bulk), GET /banking/accounts/{accountId}/balance,
    and GET /banking/accounts/{accountId} (account detail). Access requires an accredited
    data recipient (ADR) acting on a consumer's authorization under the CDR consent
    model; unauthenticated calls are rejected with HTTP 401 (confirmed live). The contract
    is the shared DSB Consumer Data Standards CDR Banking API v1.36.0, not a bank-proprietary
    specification.
- aid: gc-mutual-bank:gc-mutual-bank-cdr-transactions-api
  name: G&C Mutual Bank CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transactions
  - Account Data
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/accounts
  properties:
  - url: https://unity.bank/about-us/corporate-information/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-transactions-for-account
    type: APIReference
  - url: openapi/gc-mutual-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right transactions surface exposing
    GET /banking/accounts/{accountId}/transactions (with filtering by date, amount,
    and text) and GET /banking/accounts/{accountId}/transactions/{transactionId} for
    full transaction detail. Access requires an accredited data recipient (ADR) acting
    on a consumer's authorization under the CDR consent model. The contract is the
    shared DSB Consumer Data Standards CDR Banking API v1.36.0, not a bank-proprietary
    specification.
- aid: gc-mutual-bank:gc-mutual-bank-cdr-direct-debits-scheduled-payments-api
  name: G&C Mutual Bank CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/accounts
  properties:
  - url: https://unity.bank/about-us/corporate-information/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-direct-debits-for-account
    type: APIReference
  - url: openapi/gc-mutual-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right recurring-payments surface exposing
    direct debits (GET /banking/accounts/{accountId}/direct-debits and the bulk POST
    /banking/accounts/direct-debits) and scheduled payments (GET /banking/accounts/{accountId}/payments/scheduled
    and the bulk POST /banking/payments/scheduled). Access requires an accredited data
    recipient (ADR) acting on a consumer's authorization under the CDR consent model.
    The contract is the shared DSB Consumer Data Standards CDR Banking API v1.36.0,
    not a bank-proprietary specification.
- aid: gc-mutual-bank:gc-mutual-bank-cdr-payees-api
  name: G&C Mutual Bank CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Account Data
  - Consumer Authorized
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://unity.bank/about-us/corporate-information/open-banking/
  baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/payees
  properties:
  - url: https://unity.bank/about-us/corporate-information/open-banking/
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-payees
    type: APIReference
  - url: openapi/gc-mutual-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right payees surface exposing GET
    /banking/payees (the member's saved payees list) and GET /banking/payees/{payeeId}
    for full payee detail. Access requires an accredited data recipient (ADR) acting
    on a consumer's authorization under the CDR consent model. The contract is the
    shared DSB Consumer Data Standards CDR Banking API v1.36.0, not a bank-proprietary
    specification.
common:
- type: AgenticAccess
  url: agentic-access/gc-mutual-bank-agentic-access.yml
- type: DomainSecurity
  url: security/gc-mutual-bank-domain-security.yml
- type: Authentication
  url: authentication/gc-mutual-bank-authentication.yml
- type: OAuthScopes
  url: scopes/gc-mutual-bank-scopes.yml
- type: Conventions
  url: conventions/gc-mutual-bank-conventions.yml
- type: ErrorCatalog
  url: errors/gc-mutual-bank-problem-types.yml
- type: Conformance
  url: conformance/gc-mutual-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/gc-mutual-bank-lifecycle.yml
- type: MCPServer
  url: mcp/gc-mutual-bank-mcp.yml
- type: LLMsTxt
  url: llms/gc-mutual-bank-llms.txt
- type: Overlay
  url: overlays/gc-mutual-bank-cds-banking-products-overlay.yaml
- type: DataModel
  url: data-model/gc-mutual-bank-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://unity.bank/
- type: Documentation
  url: https://unity.bank/about-us/corporate-information/open-banking/
- type: PrivacyPolicy
  url: https://unity.bank/about-us/privacy/
- type: Support
  url: https://unity.bank/talk-to-us/contact-us/
- type: Blog
  url: https://unity.bank/latest-news/
- type: LinkedIn
  url: https://www.linkedin.com/company/unity-bank
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com