aid: teachers-mutual-bank
url: https://raw.githubusercontent.com/api-evangelist/teachers-mutual-bank/refs/heads/main/apis.yml
name: Teachers Mutual Bank
kind: company
description: Teachers Mutual Bank is an Australian customer-owned mutual bank and a
  brand of Teachers Mutual Bank Limited (TMBL), an authorised deposit-taking institution
  (ADI) regulated by APRA that also operates UniBank, Firefighters Mutual Bank, Health
  Professionals Bank and Hiver. As a member-owned bank it returns value to members
  rather than external shareholders and serves teachers, education staff and the wider
  community. Under Australia's Consumer Data Right (CDR / Open Banking), Teachers Mutual
  Bank exposes a public, unauthenticated Product Reference Data (PRD) API conforming
  to the Data Standards Body (DSB) Consumer Data Standards, letting anyone retrieve
  its banking product catalogue. Consumer (account and transaction) data sharing is
  available to accredited data recipients through the authenticated CDR channel using
  the OAuth2 / OpenID Connect FAPI security profile.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial
- Banks
- Open Banking
- CDR
- Consumer Banking
- Australia
- Mutual Bank
- Product Reference Data
created: '2026-07-20'
modified: '2026-07-21'
specificationVersion: '0.19'
apis:
- aid: teachers-mutual-bank:teachers-mutual-bank-cdr-product-reference-data-api
  name: Teachers Mutual Bank CDR Product Reference Data API
  tags:
  - CDR
  - Open Banking
  - Product Reference Data
  - Banking
  - Consumer Data Right
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products
  properties:
  - url: https://www.tmbank.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/teachers-mutual-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Public, unauthenticated Consumer Data Right Product Reference Data (PRD)
    API for the Teachers Mutual Bank brand of Teachers Mutual Bank Limited. Exposes
    GET /banking/products and GET /banking/products/{productId} under the standard
    CDS base path, returning the bank's full banking product catalogue (30 products
    at time of review) as defined by the DSB Consumer Data Standards. Confirmed live
    (HTTP 200) on 2026-07-21 with the x-v request header set to 4 (version 3 now
    returns HTTP 406; the server advertises current version 4). No authentication,
    MTLS or ADR accreditation is required for these product endpoints.
- aid: teachers-mutual-bank:teachers-mutual-bank-cdr-accounts-balances-api
  name: Teachers Mutual Bank CDR Accounts & Balances API
  tags:
  - CDR
  - Open Banking
  - Accounts
  - Balances
  - Consumer Data Right
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/accounts
  properties:
  - url: https://www.tmbank.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/teachers-mutual-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right accounts and balances surface
    for Teachers Mutual Bank, defined by the DSB Consumer Data Standards CDR Banking
    API (v1.36.0). Covers Get Accounts (GET /banking/accounts), Get Account Detail
    (GET /banking/accounts/{accountId}), Get Bulk Balances (GET /banking/accounts/balances),
    and Get Account Balance (GET /banking/accounts/{accountId}/balance). These
    endpoints are NOT public and access requires a consumer to authorize an accredited
    data recipient (ADR) via the CDR OAuth2 / OpenID Connect FAPI flow over MTLS,
    so unauthenticated calls are rejected (HTTP 404/401 at the data-holder gateway).
- aid: teachers-mutual-bank:teachers-mutual-bank-cdr-transactions-api
  name: Teachers Mutual Bank CDR Transactions API
  tags:
  - CDR
  - Open Banking
  - Transactions
  - Banking
  - Consumer Data Right
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/accounts
  properties:
  - url: https://www.tmbank.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/teachers-mutual-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right transactions surface for
    Teachers Mutual Bank, defined by the DSB Consumer Data Standards CDR Banking
    API (v1.36.0). Covers Get Transactions For Account (GET /banking/accounts/{accountId}/transactions)
    and Get Transaction Detail (GET /banking/accounts/{accountId}/transactions/{transactionId}),
    supporting date, amount and text filtering per the standard. Access requires a
    consumer to authorize an accredited data recipient (ADR) through the CDR OAuth2
    / OpenID Connect FAPI security profile over MTLS; the endpoints are not publicly
    callable without accreditation and consumer consent.
- aid: teachers-mutual-bank:teachers-mutual-bank-cdr-direct-debits-scheduled-payments-api
  name: Teachers Mutual Bank CDR Direct Debits & Scheduled Payments API
  tags:
  - CDR
  - Open Banking
  - Direct Debits
  - Scheduled Payments
  - Consumer Data Right
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/accounts
  properties:
  - url: https://www.tmbank.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/teachers-mutual-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right direct-debits and scheduled-payments
    surface for Teachers Mutual Bank, defined by the DSB Consumer Data Standards CDR
    Banking API (v1.36.0). Covers Get Direct Debits For Account and Get Bulk Direct
    Debits (GET /banking/accounts/{accountId}/direct-debits, GET /banking/accounts/direct-debits),
    plus Get Scheduled Payments For Account and Get Bulk Scheduled Payments (GET
    /banking/accounts/{accountId}/payments/scheduled, GET /banking/payments/scheduled).
    Access requires a consumer to authorize an accredited data recipient (ADR) via
    the CDR OAuth2 / OpenID Connect FAPI flow over MTLS; not publicly callable.
- aid: teachers-mutual-bank:teachers-mutual-bank-cdr-payees-api
  name: Teachers Mutual Bank CDR Payees API
  tags:
  - CDR
  - Open Banking
  - Payees
  - Banking
  - Consumer Data Right
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.tmbank.com.au/open-banking
  baseURL: https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/payees
  properties:
  - url: https://www.tmbank.com.au/open-banking
    type: Documentation
  - url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
    type: APIReference
  - url: openapi/teachers-mutual-bank-cds-banking-products-openapi.yml
    type: OpenAPI
  description: Consumer-authorized Consumer Data Right payees surface for Teachers
    Mutual Bank, defined by the DSB Consumer Data Standards CDR Banking API (v1.36.0).
    Covers Get Payees (GET /banking/payees) and Get Payee Detail (GET /banking/payees/{payeeId}),
    returning a consumer's saved payees where they have authorized sharing. Access
    requires a consumer to authorize an accredited data recipient (ADR) through the
    CDR OAuth2 / OpenID Connect FAPI security profile over MTLS; these endpoints are
    not publicly callable without accreditation and explicit consumer consent.
common:
- type: DomainSecurity
  url: security/teachers-mutual-bank-domain-security.yml
- type: Authentication
  url: authentication/teachers-mutual-bank-authentication.yml
- type: Conventions
  url: conventions/teachers-mutual-bank-conventions.yml
- type: ErrorCatalog
  url: errors/teachers-mutual-bank-problem-types.yml
- type: RateLimits
  url: rate-limits/teachers-mutual-bank-rate-limits.yml
- type: Lifecycle
  url: lifecycle/teachers-mutual-bank-lifecycle.yml
- type: Deprecation
  url: https://consumerdatastandardsaustralia.github.io/standards/#versioning
- type: Conformance
  url: conformance/teachers-mutual-bank-conformance.yml
- type: OAuthScopes
  url: scopes/teachers-mutual-bank-scopes.yml
- type: DataModel
  url: data-model/teachers-mutual-bank-data-model.yml
- type: MCPServer
  url: mcp/teachers-mutual-bank-mcp.yml
- type: LLMsTxt
  url: llms/teachers-mutual-bank-llms.txt
- type: Overlay
  url: overlays/teachers-mutual-bank-cds-banking-products-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: APIReference
  url: https://consumerdatastandardsaustralia.github.io/standards/#banking-apis
- type: GettingStarted
  url: https://www.tmbank.com.au/open-banking
- type: TermsOfService
  url: https://www.tmbank.com.au/important-information
- type: Website
  url: https://www.tmbank.com.au/
- type: DeveloperPortal
  url: https://www.tmbank.com.au/open-banking
- type: Documentation
  url: https://www.tmbank.com.au/open-banking
- type: LinkedIn
  url: https://www.linkedin.com/company/teachers-mutual-bank
- type: PrivacyPolicy
  url: https://www.tmbank.com.au/privacy
- type: Security
  url: https://www.tmbank.com.au/security
- type: Support
  url: https://www.tmbank.com.au/contact
- type: ParentOrganization
  url: https://www.tmbl.com.au/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com