{ "segment": "personal", "kind": "ongoing", "balance": 50000, "generated_at": "2026-11-13T01:46:37Z", "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.", "before_answering": "https://deepalmanac.com/au/finance/savings-accounts/v1/questions.json lists what to ask the reader first (personal, SMSF or business; whether they will meet bonus conditions every month; the balance), which file answers each question and what each figure means. 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