{"source":"Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category","licence_note":"Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.","coverage_note":"Covers the banks, credit unions and other deposit-takers on the Consumer Data Right register that publish savings accounts; every rate is as the bank's own product data states it. Transaction (everyday) accounts are in that data and in rates.json but are not ranked. Not every rate a bank advertises is in its product data. Bonus conditions are summarised from its wording, and the conditions and limits it leaves out (what counts as a deposit, age, membership, where the holder must live) are read from the bank's own terms and pages, quoted and re-read daily.","rate_kinds_note":"kind ongoing is the conditional rate: the rate paid in a month in which every bonus condition is met, with no introductory period; intro is the introductory rate: the rate paid during an introductory period (the conditional rate plus the introductory add-on, or the whole introductory rate), and for an account with no introductory offer it equals the conditional rate; base is the base rate: the rate paid in a month in which the bonus conditions are not all met, or on an account with none. Every rate is the rate at the slice's balance: whole-balance tiers take the tier the balance is in, stepped (per-tier) tiers are blended over the balance.","generated_at":"2026-11-13T01:46:37Z","brand_count":115,"brands_with_rates":93,"guarantee_groups":[{"adi":"Westpac Banking Corporation","abn":"33007457141","apra_trading_names":["Bank of Melbourne","BankSA","St George Bank"],"brands":[{"brand_slug":"westpac","brand_label":"Westpac","has_savings_account_rates":true},{"brand_slug":"st-george-bank","brand_label":"St.George Bank","has_savings_account_rates":true},{"brand_slug":"bank-of-melbourne","brand_label":"Bank of Melbourne","has_savings_account_rates":true},{"brand_slug":"banksa","brand_label":"BankSA","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"Commonwealth Bank of Australia","abn":"48123123124","apra_trading_names":["Bankwest"],"brands":[{"brand_slug":"commbank","brand_label":"CommBank","has_savings_account_rates":true},{"brand_slug":"bankwest","brand_label":"Bankwest","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"National Australia Bank Limited","abn":"12004044937","apra_trading_names":["Ubank"],"brands":[{"brand_slug":"national-australia-bank","brand_label":"NAB","has_savings_account_rates":true},{"brand_slug":"ubank","brand_label":"UBank","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"Australia and New Zealand Banking Group Limited","abn":"11005357522","apra_trading_names":[],"brands":[{"brand_slug":"anz","brand_label":"ANZ","has_savings_account_rates":true},{"brand_slug":"anz-plus","brand_label":"ANZ Plus","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"Bendigo and Adelaide Bank Limited","abn":"11068049178","apra_trading_names":["Adelaide Bank","Bendigo Bank","Rural Bank","Up Bank"],"brands":[{"brand_slug":"bendigo-bank","brand_label":"Bendigo Bank","has_savings_account_rates":true},{"brand_slug":"up","brand_label":"Up","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"Bank of Queensland Limited","abn":"32009656740","apra_trading_names":["BOQ Specialist (BOQS)","ME Bank"],"brands":[{"brand_slug":"bank-of-queensland-limited","brand_label":"BOQ","has_savings_account_rates":true},{"brand_slug":"boq-specialist","brand_label":"BOQ Specialist","has_savings_account_rates":true},{"brand_slug":"me-bank-me-go","brand_label":"ME Bank","has_savings_account_rates":true}],"unconfirmed_brands":[{"brand_slug":"virgin-money","brand_label":"Virgin Money","has_savings_account_rates":true}]},{"adi":"Teachers Mutual Bank Limited","abn":"30087650459","apra_trading_names":["Australian Mutual Bank","Firefighters Mutual Bank","Health Professionals Bank","Teachers Mutual Bank","UniBank"],"brands":[{"brand_slug":"teachers-mutual-bank","brand_label":"Teachers Mutual Bank","has_savings_account_rates":true},{"brand_slug":"australian-mutual-bank-ltd","brand_label":"Australian Mutual Bank","has_savings_account_rates":true},{"brand_slug":"firefighters-mutual-bank","brand_label":"Firefighters Mutual Bank","has_savings_account_rates":true},{"brand_slug":"health-professionals-bank","brand_label":"Health Professionals Bank","has_savings_account_rates":true},{"brand_slug":"unibank","brand_label":"UniBank","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"MyState Bank Limited","abn":"89067729195","apra_trading_names":["Auswide"],"brands":[{"brand_slug":"mystate-bank","brand_label":"MyState Bank","has_savings_account_rates":true},{"brand_slug":"auswide-bank-ltd","brand_label":"Auswide Bank","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"Bank Australia Limited","abn":"21087651607","apra_trading_names":["Bank Australia","Qudos Bank"],"brands":[{"brand_slug":"bank-australia","brand_label":"Bank Australia","has_savings_account_rates":true},{"brand_slug":"qudos-bank","brand_label":"Qudos Bank","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"Newcastle Greater Mutual Group Ltd","abn":"96087651992","apra_trading_names":["Newcastle Permanent","Greater Bank"],"brands":[{"brand_slug":"newcastle-permanent","brand_label":"Newcastle Permanent","has_savings_account_rates":true},{"brand_slug":"greater-bank","brand_label":"Greater Bank","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"Police & Nurses Limited","abn":"69087651876","apra_trading_names":["P&N Bank","BCU Bank"],"brands":[{"brand_slug":"p-n-bank","brand_label":"P&N Bank","has_savings_account_rates":true},{"brand_slug":"bcu-bank","brand_label":"BCU Bank","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"Police Bank Ltd","abn":"95087650799","apra_trading_names":["Border Bank","Bank of Heritage Isle"],"brands":[{"brand_slug":"police-bank","brand_label":"Police Bank","has_savings_account_rates":true},{"brand_slug":"border-bank","brand_label":"Border Bank","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"Australian Military Bank Ltd","abn":"48087649741","apra_trading_names":["RSL Money"],"brands":[{"brand_slug":"australian-military-bank","brand_label":"Australian Military Bank","has_savings_account_rates":true},{"brand_slug":"rsl-money","brand_label":"RSL Money","has_savings_account_rates":false}],"unconfirmed_brands":[]},{"adi":"Community First Credit Union Limited","abn":"80087649938","apra_trading_names":["Community First Bank","Easy Street Financial Services","Illawarra Credit Union"],"brands":[{"brand_slug":"commfcu","brand_label":"Community First Bank","has_savings_account_rates":true},{"brand_slug":"easy-street","brand_label":"Easy Street","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"AMP Bank Ltd","abn":"15081596009","apra_trading_names":[],"brands":[{"brand_slug":"amp-my-amp","brand_label":"AMP Bank","has_savings_account_rates":true},{"brand_slug":"amp-bank-go","brand_label":"AMP Bank GO","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":"Credit Union Australia Ltd","abn":"44087650959","apra_trading_names":["Great Southern Bank"],"brands":[{"brand_slug":"great-southern-bank","brand_label":"Great Southern Bank","has_savings_account_rates":true},{"brand_slug":"great-southern-bank-business","brand_label":"Great Southern Bank Business+","has_savings_account_rates":true}],"unconfirmed_brands":[]},{"adi":null,"abn":"21087650360","apra_trading_names":[],"brands":[],"unconfirmed_brands":[{"brand_slug":"regional-australia-bank","brand_label":"Regional Australia Bank","has_savings_account_rates":true},{"brand_slug":"summerland-bank","brand_label":"Summerland Bank","has_savings_account_rates":true}]},{"adi":null,"abn":"85051868556","apra_trading_names":[],"brands":[],"unconfirmed_brands":[{"brand_slug":"geelong-bank","brand_label":"Geelong Bank","has_savings_account_rates":true},{"brand_slug":"hume-bank","brand_label":"Hume Bank","has_savings_account_rates":true}]}],"guarantee_groups_note":"Brands that are one bank (ADI) for the Financial Claims Scheme, so deposits at any of them count towards one $250,000 limit per account holder. brands are named on APRA's list of covered ADIs; unconfirmed_brands share the bank's ABN in the CDR register but APRA does not name them, so whether they share the limit is not confirmed. A brand in no group is its own bank as far as this dataset knows. has_savings_account_rates says whether the brand is ranked here. The groups come from the term deposit dataset's list, checked against APRA's list of covered ADIs; the Financial Claims Scheme covers savings accounts and term deposits alike, per account holder per ADI.","segments":["personal","smsf","business"],"kinds":["ongoing","intro","base"],"balances":[10000,50000,250000],"default":{"segment":"personal","kind":"ongoing","balance":50000},"ranking_rules":"One entry per bank per slice: its qualifying savings account with the highest rate at the slice's balance (then the highest base rate, base_rate_pct; the lowest monthly fee; the name), among accounts open to the slice's segment. kind ongoing is the conditional rate: every bonus the account pays when its monthly conditions are met, added to the base rate (or the bonus alone when the bank says it is the total rate); intro adds the introductory rate for a new account on top of that, or takes the whole introductory rate when the bank says the rate reverts; base is the base rate: paid in a month in which the bonus conditions are not all met. A bonus limited by age or to selected customers is not added (extra_bonuses). Transaction accounts, offset accounts, foreign currency and farm management deposits, term deposits filed in this category, superannuation and trust-money accounts, staff-only accounts and accounts closed to new customers are not ranked. Accounts limited by age, to pension recipients, to lenders open only to certain occupations (restriction occupation_membership) and to adviser or intermediary platforms are left out of these rankings; each slice file also carries entries_all, the same ranking with them in. A record not updated for more than 60 days before the fetch, or since before the Reserve Bank's latest cash rate change, is ranked with record_stale true and a condition saying so.","slices":{"url_template":"https://deepalmanac.com/au/finance/savings-accounts/v1/best/{segment}/{kind}/{balance}.json","note":"One slice per segment, kind and balance, plus entries_all (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts in); top/ holds each slice's top 10."},"rankings":{"personal":{"ongoing":{"10000":[{"rank":1,"brand":"ING BANK (Australia) Ltd","brand_label":"ING","brand_slug":"ing-bank-australia-ltd","legal_entity_abn":"24000893292","product_id":"b7bb9da4-3913-484c-8d2d-3fc99b9b4a72","product_name":"Savings Maximiser","product_label":"Savings Maximiser","product_slug":"savings-maximiser","page":"/au/finance/savings-accounts/accounts/ing-bank-australia-ltd/savings-maximiser/","product_url":"https://www.ing.com.au/savings/savings-maximiser.html","terms_url":null,"account_type":"savings","segments":["personal"],"segment":"personal","bonus_is_total":false,"intro_is_total":null,"intro_is_bonus_rate":null,"intro_months":null,"intro_conditions":[],"max_bonus_balance":100000,"min_balance":null,"max_balance":5000000,"notice_days":null,"bonus_conditions":[{"type":"min_card_purchases","value":5,"text":"For customers who also have an Orange Everyday bank account and do this each month: Make 5 or more settled (not pending) eligible ING card purchases"},{"type":"balance_grows","value":0.01,"text":"For customers who also have an Orange Everyday bank account and do this each month: Grow their nominated Savings Maximiser balance (excluding interest earned for the current month)."},{"type":"min_monthly_deposit","value":1000,"text":"For customers who also have an Orange Everyday bank account and do this each month: Deposit at least $1,000 from an external source to an Orange Everyday, Savings Maximiser, Savings Accelerator, Personal Term Deposit, ING Personal Loan or ING Home Loan in your name."},{"type":"linked_account","value":null,"text":"hold an Orange Everyday bank account"}],"extra_bonuses":[],"features":{"card_access":false,"card":null,"digital_wallets":[],"osko":true,"payid":true,"payto":false,"bpay":false,"app":true,"notifications":true,"unlimited_transactions":true,"free_transactions":null,"linked_account_required":true,"round_up":false,"joint":true,"joint_bonus":null,"joint_not_for":null,"other":[]},"feature_tags":["app","Osko","PayID","notifications","unlimited transactions","joint accounts"],"interest_paid":"monthly","interest_calculated":"daily","monthly_fee":0.0,"monthly_fee_note":null,"fees_without_amount":[],"age_min":18,"age_max":null,"restrictions":[],"conditions":["5 or more card purchases a month","grow the balance each month","deposit $1,000 or more each month","hold an Orange Everyday bank account","You must be an Australian resident for taxation purposes.","closed to new applications from 1 December 2026","the bonus rate is paid in the month after the one in which the conditions are met"],"record_stale":false,"source_url":"https://id.ob.ing.com.au/cds-au/v1/banking/products/b7bb9da4-3913-484c-8d2d-3fc99b9b4a72","source_snapshot":"/au/finance/savings-accounts/v1/source/ing-bank-australia-ltd/b7bb9da4-3913-484c-8d2d-3fc99b9b4a72.json","bank_last_updated":"2026-11-12T13:00:00Z","kind":"ongoing","balance":10000,"rate":0.06,"rate_pct":6.0,"base_rate_pct":0.01,"bonus_rate_pct":5.99,"intro_rate_pct":null,"intro_total_rate_pct":null,"rate_after_intro_pct":null,"balance_from":0,"balance_to":100000,"rate_application":"mixed"},{"rank":2,"brand":"Up","brand_label":"Up","brand_slug":"up","legal_entity_abn":"11068049178","product_id":"up-saver","product_name":"Up Saver","product_label":"Saver","product_slug":"saver","page":"/au/finance/savings-accounts/accounts/up/saver/","product_url":"https://up.com.au/saving","terms_url":"https://up.com.au/product-terms/","account_type":"savings","segments":["personal"],"segment":"personal","bonus_is_total":false,"intro_is_total":null,"intro_is_bonus_rate":null,"intro_months":null,"intro_conditions":[],"max_bonus_balance":null,"min_balance":null,"max_balance":null,"notice_days":null,"bonus_conditions":[{"type":"min_card_purchases","value":5,"text":"5"},{"type":"max_withdrawals","value":0,"text":"0"}],"extra_bonuses":[],"features":{"card_access":false,"card":null,"digital_wallets":[],"osko":false,"payid":false,"payto":false,"bpay":false,"app":true,"notifications":false,"unlimited_transactions":false,"free_transactions":null,"linked_account_required":false,"round_up":false,"joint":null,"joint_bonus":null,"joint_not_for":null,"other":[]},"feature_tags":["app"],"interest_paid":"monthly","interest_calculated":"daily","monthly_fee":null,"monthly_fee_note":null,"fees_without_amount":[],"age_min":16,"age_max":null,"restrictions":[],"conditions":["5 or more card purchases a month","no withdrawals in the month","a saver withdrawn from in the month earns the 2.00% Flow rate instead (when the card purchases are made)"],"record_stale":false,"source_url":"https://api.up.com.au/cds-au/v1/banking/products/up-saver","source_snapshot":"/au/finance/savings-accounts/v1/source/up/up-saver.json","bank_last_updated":"2026-11-12T00:00:06+11:00","kind":"ongoing","balance":10000,"rate":0.0585,"rate_pct":5.85,"base_rate_pct":0.0,"bonus_rate_pct":5.85,"intro_rate_pct":null,"intro_total_rate_pct":null,"rate_after_intro_pct":null,"balance_from":0,"balance_to":250000,"rate_application":"mixed"},{"rank":3,"brand":"Virgin Money","brand_label":"Virgin Money","brand_slug":"virgin-money","legal_entity_abn":"32009656740","product_id":"36906e88-5c03-ee11-8f6e-00224814d330","product_name":"Virgin Money Boost Saver","product_label":"Boost Saver","product_slug":"boost-saver","page":"/au/finance/savings-accounts/accounts/virgin-money/boost-saver/","product_url":"https://virginmoney.com.au/bank-and-save/accounts/boost-saver.html","terms_url":"https://virginmoney.com.au/help-and-support/forms-and-important-information/bank-and-save","account_type":"savings","segments":["personal"],"segment":"personal","bonus_is_total":false,"intro_is_total":null,"intro_is_bonus_rate":null,"intro_months":null,"intro_conditions":[],"max_bonus_balance":250000,"min_balance":null,"max_balance":null,"notice_days":null,"bonus_conditions":[{"type":"min_monthly_deposit","value":1000,"text":"Deposit $1000"},{"type":"min_card_purchases","value":5,"text":"5 purchases"}],"extra_bonuses":[{"rate_pct":0.5,"balance_from":0,"balance_to":250000,"conditions":["Additional variable interest rate earned on a Boost Saver where the optional Lock Saver Feature is enabled. Provide 32 days' advance notice to unlock your acco…"]}],"features":{"card_access":false,"card":null,"digital_wallets":[],"osko":true,"payid":true,"payto":false,"bpay":false,"app":true,"notifications":true,"unlimited_transactions":true,"free_transactions":null,"linked_account_required":true,"round_up":false,"joint":null,"joint_bonus":null,"joint_not_for":null,"other":["The Boost Saver comes linked with our seriously rewarding Everyday Go Account. 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