Teachers Mutual Bank
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.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Teachers Mutual Bank the way a machine reads it — 19 machine-readable artifacts across 1 API, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Teachers Mutual Bank scores 43.8/100 (developing), with a separate agent-readiness read of 25/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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title="Teachers Mutual Bank on API Evangelist — API profile and Kin Score">
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title="Teachers Mutual Bank on API Evangelist — API profile and Kin Score">
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alt="Teachers Mutual Bank Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
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How we profile Teachers Mutual Bank
Each block below is one kind of artifact we hold for Teachers Mutual Bank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 7
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Teachers Mutual Bank Banking Account Balances API
Banking Account Balance endpoints
Teachers Mutual Bank Banking Account Direct Debits API
Banking Account Direct Debit endpoints
Teachers Mutual Bank Banking Account Scheduled Payments API
Banking Account Scheduled Payment endpoints
Teachers Mutual Bank Banking Account Transactions API
Banking Account Transaction endpoints
Teachers Mutual Bank Banking Accounts API
Banking Account endpoints
Teachers Mutual Bank Banking Payees API
Banking Payee endpoints
Teachers Mutual Bank Banking Products API
Banking Product endpoints
Scroll within the panel for all 7 ·
Open Collections 8
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTIONCDR Banking Banking Account Balances API
OPEN COLLECTIONCDR Banking Banking Account Balances Banking Accounts API
OPEN COLLECTIONCDR Banking Banking Account Balances Banking Payees API
OPEN COLLECTIONCDR Banking Banking Account Balances Banking Products API
OPEN COLLECTIONScroll within the panel for all 8 ·
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Teachers Mutual Bank Rate Limits
RATE LIMITSSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Resources
Every other property we hold for Teachers Mutual Bank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 2
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 3
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Access & Security 4
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 3
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/teachers-mutual-bank · machine-readable index on apis.io
This is an independent, third-party profile of Teachers Mutual Bank, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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