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. 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 - Australia - Mutual Bank - Product Reference Data created: '2026-07-20' modified: '2026-07-21' specificationVersion: '0.19' apis: - aid: unity-bank:unity-bank-cdr-product-reference-data-api name: Unity Bank CDR Product Reference Data API tags: - CDR - Open Banking - Product Reference Data - Banking - Australia image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/ baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1 properties: - url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#get-products type: APIReference - url: openapi/unity-bank-cds-banking-products-openapi.yml type: OpenAPI description: Public, unauthenticated Consumer Data Right (CDR) Product Reference Data API exposing Unity Bank's deposit, transaction, and credit card products - eligibility, features, pricing, and links to terms and conditions - via GET /banking/products and GET /banking/products/{productId}. Conforms to the DSB Consumer Data Standards (banking brand code UBL); confirmed live with HTTP 200 responses negotiating standards versions x-v 4 and 5 across 74 published products. - aid: unity-bank:unity-bank-cdr-accounts-balances-api name: Unity Bank CDR Accounts & Balances API tags: - CDR - Open Banking - Accounts - Balances - Banking - Australia image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/ baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/accounts properties: - url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#get-accounts type: APIReference - url: openapi/unity-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right (CDR) Accounts and Balances surface Unity Bank is required to implement as a CDR data holder, covering Get Accounts, Get Bulk Balances, Get Account Balance, and Get Account Detail (GET /banking/accounts, /banking/accounts/balances, /banking/accounts/{accountId}/balance, /banking/accounts/{accountId}). These endpoints are NOT public - they are called only by CDR Accredited Data Recipients (ADRs) over MTLS after member consent and OAuth2/FAPI authorization, so no unauthenticated probe returns data. The wired OpenAPI is the shared DSB Consumer Data Standards CDR Banking API (v1.36.0), not a bank-proprietary contract. - aid: unity-bank:unity-bank-cdr-transactions-api name: Unity Bank CDR Transactions API tags: - CDR - Open Banking - Transactions - Banking - Australia image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/ baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/accounts/{accountId}/transactions properties: - url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#get-transactions-for-account type: APIReference - url: openapi/unity-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right (CDR) Transactions surface Unity Bank implements as a CDR data holder, covering Get Transactions For Account and Get Transaction Detail (GET /banking/accounts/{accountId}/transactions and /banking/accounts/{accountId}/transactions/{transactionId}) with date, amount, and text filtering. These endpoints are NOT public - they are called only by CDR Accredited Data Recipients (ADRs) over MTLS after member consent and OAuth2/FAPI authorization. The wired OpenAPI is the shared DSB Consumer Data Standards CDR Banking API (v1.36.0), not a bank-proprietary contract. - aid: unity-bank:unity-bank-cdr-direct-debits-scheduled-payments-api name: Unity Bank CDR Direct Debits & Scheduled Payments API tags: - CDR - Open Banking - Direct Debits - Scheduled Payments - Banking - Australia image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/ baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/accounts/direct-debits properties: - url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#get-direct-debits-for-account type: APIReference - url: openapi/unity-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right (CDR) Direct Debits and Scheduled Payments surface Unity Bank implements as a CDR data holder, covering Get Direct Debits For Account, Get Bulk Direct Debits, Get Scheduled Payments For Account, and Get Bulk Scheduled Payments (GET /banking/accounts/{accountId}/direct-debits, /banking/accounts/direct-debits, /banking/accounts/{accountId}/payments/scheduled, and /banking/payments/scheduled). These endpoints are NOT public - they are called only by CDR Accredited Data Recipients (ADRs) over MTLS after member consent and OAuth2/FAPI authorization. The wired OpenAPI is the shared DSB Consumer Data Standards CDR Banking API (v1.36.0), not a bank-proprietary contract. - aid: unity-bank:unity-bank-cdr-payees-api name: Unity Bank CDR Payees API tags: - CDR - Open Banking - Payees - Banking - Australia image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.unitybank.com.au/about-us/corporate-information/public-apis/ baseURL: https://ibank.gcmutualbank.com.au/openbanking/cds-au/v1/banking/payees properties: - url: https://www.unitybank.com.au/about-us/corporate-information/public-apis/ type: Documentation - url: https://consumerdatastandardsaustralia.github.io/standards/#get-payees type: APIReference - url: openapi/unity-bank-cds-banking-products-openapi.yml type: OpenAPI description: Consumer-authorized Consumer Data Right (CDR) Payees surface Unity Bank implements as a CDR data holder, covering Get Payees and Get Payee Detail (GET /banking/payees and /banking/payees/{payeeId}) for a member's saved payees. These endpoints are NOT public - they are called only by CDR Accredited Data Recipients (ADRs) over MTLS after member consent and OAuth2/FAPI authorization, so no unauthenticated probe returns data. The wired OpenAPI is the shared DSB Consumer Data Standards CDR Banking API (v1.36.0), not a bank-proprietary contract. 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