{ "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.", "licence_note_shared": "licence_shared_with lists the other brands on the CDR register with the same ABN: one deposit-taker trading under several names. guarantee_adi and shares_guarantee_limit_with are the stronger statement, from APRA's list: the bank the brand belongs to, and the brands whose deposits count towards the same $250,000 Financial Claims Scheme limit per account holder.", "generated_at": "2026-11-13T01:46:37Z", "brand_count": 105, "brands": [ { "brand_slug": "afg-home-loans-alpha", "brand": "AFG Home Loans Alpha", "brand_label": "AFG Home Loans Alpha", "legal_entity_abn": "11068049178", "licence_shared_with": [ "Aussie Elevate", "Bendigo Bank", "Connective Select", "NRMA Home Loans", "Qantas Money Basic/Offset Home Loans", "Tiimely Home", "Up" ], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 1, "savings_product_count": 0, "ranked_product_count": 0, "row_count": 1, "bank_last_updated": "2026-11-13T00:52:15Z" }, { "brand_slug": "alex-bank", "brand": "Alex.Bank", "brand_label": "Alex.Bank", "legal_entity_abn": "13627244848", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 1, "savings_product_count": 1, "ranked_product_count": 1, "row_count": 1, "bank_last_updated": "2026-05-12T14:01:10Z" }, { "brand_slug": "amp-my-amp", "brand": "AMP - My AMP", "brand_label": "AMP Bank", "legal_entity_abn": "15081596009", "licence_shared_with": [ "AMP Bank GO" ], "guarantee_adi": "AMP Bank Ltd", "shares_guarantee_limit_with": [ "AMP Bank GO" ], "status": "ok", "stale": false, "product_count": 2, "savings_product_count": 1, "ranked_product_count": 1, "row_count": 5, "bank_last_updated": "2026-06-24T16:00:00Z" }, { "brand_slug": "amp-bank-go", "brand": "AMP Bank GO", "brand_label": "AMP Bank GO", "legal_entity_abn": "15081596009", "licence_shared_with": [ "AMP Bank" ], "guarantee_adi": "AMP Bank Ltd", "shares_guarantee_limit_with": [ "AMP Bank" ], "status": "ok", "stale": false, "product_count": 5, "savings_product_count": 2, "ranked_product_count": 2, "row_count": 10, "bank_last_updated": "2026-11-09T01:03:30Z" }, { "brand_slug": "anz", "brand": "ANZ", "brand_label": "ANZ", "legal_entity_abn": "11005357522", "licence_shared_with": [ "ANZ Plus" ], "guarantee_adi": "Australia and New Zealand Banking Group Limited", "shares_guarantee_limit_with": [ "ANZ Plus" ], "status": "ok", "stale": false, "product_count": 14, "savings_product_count": 7, "ranked_product_count": 7, "row_count": 20, "bank_last_updated": "2026-11-12T13:05:00Z" }, { "brand_slug": "anz-plus", "brand": "ANZ Plus", "brand_label": "ANZ Plus", "legal_entity_abn": "11005357522", "licence_shared_with": [ "ANZ" ], "guarantee_adi": "Australia and New Zealand Banking Group Limited", "shares_guarantee_limit_with": [ "ANZ" ], "status": "ok", "stale": false, "product_count": 3, "savings_product_count": 2, "ranked_product_count": 2, "row_count": 3, "bank_last_updated": "2026-11-12T13:00:00Z" }, { "brand_slug": "arab-bank-australia-limited", "brand": "Arab Bank Australia Limited", "brand_label": "Arab Bank Australia", "legal_entity_abn": "37002950745", "licence_shared_with": [], "guarantee_adi": "Arab Bank Australia Limited", "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 9, "savings_product_count": 3, "ranked_product_count": 3, "row_count": 21, "bank_last_updated": "2026-08-20T02:10:02Z" }, { "brand_slug": "aussie-elevate", "brand": "Aussie Elevate", "brand_label": "Aussie Elevate", "legal_entity_abn": "11068049178", "licence_shared_with": [ "AFG Home Loans Alpha", "Bendigo Bank", "Connective Select", "NRMA Home Loans", "Qantas Money Basic/Offset Home Loans", "Tiimely Home", "Up" ], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 1, "savings_product_count": 0, "ranked_product_count": 0, "row_count": 1, "bank_last_updated": "2026-11-13T00:52:15Z" }, { "brand_slug": "australian-military-bank", "brand": "Australian Military Bank", "brand_label": "Australian Military Bank", "legal_entity_abn": "48087649741", "licence_shared_with": [ "RSL Money" ], "guarantee_adi": "Australian Military Bank Ltd", "shares_guarantee_limit_with": [ "RSL Money" ], "status": "ok", "stale": false, "product_count": 11, "savings_product_count": 5, "ranked_product_count": 5, "row_count": 11, "bank_last_updated": "2026-11-11T04:06:24Z" }, { "brand_slug": "australian-mutual-bank-ltd", "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "legal_entity_abn": "30087650459", "licence_shared_with": [ "Firefighters Mutual Bank", "Health Professionals Bank", "Teachers Mutual Bank", "UniBank" ], "guarantee_adi": "Teachers Mutual Bank Limited", "shares_guarantee_limit_with": [ "Teachers Mutual Bank", "Firefighters Mutual Bank", "Health Professionals Bank", "UniBank" ], "status": "ok", "stale": false, "product_count": 8, "savings_product_count": 6, "ranked_product_count": 6, "row_count": 13, "bank_last_updated": "2026-11-11T20:54:26Z" }, { "brand_slug": "auswide-bank-ltd", "brand": "Auswide Bank Ltd", "brand_label": "Auswide Bank", "legal_entity_abn": "89067729195", "licence_shared_with": [ "MyState Bank" ], "guarantee_adi": "MyState Bank Limited", "shares_guarantee_limit_with": [ "MyState Bank" ], "status": "ok", "stale": false, "product_count": 15, "savings_product_count": 8, "ranked_product_count": 8, "row_count": 26, "bank_last_updated": "2026-11-11T23:00:44Z" }, { "brand_slug": "bank-australia", "brand": "Bank Australia", "brand_label": "Bank Australia", "legal_entity_abn": "21087651607", "licence_shared_with": [ "Qudos Bank" ], "guarantee_adi": "Bank Australia Limited", "shares_guarantee_limit_with": [ "Qudos Bank" ], "status": "ok", "stale": false, "product_count": 12, "savings_product_count": 6, "ranked_product_count": 6, "row_count": 20, "bank_last_updated": "2026-10-27T04:29:33Z" }, { "brand_slug": "bank-first", "brand": "Bank First", "brand_label": "Bank First", "legal_entity_abn": "44087651769", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 15, "savings_product_count": 12, "ranked_product_count": 12, "row_count": 20, "bank_last_updated": "2026-11-01T20:34:36Z" }, { "brand_slug": "bank-of-china", "brand": "Bank of China", "brand_label": "Bank of China", "legal_entity_abn": "28110077622", "licence_shared_with": [], "guarantee_adi": "Bank of China (Australia) Limited", "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 16, "savings_product_count": 6, "ranked_product_count": 6, "row_count": 16, "bank_last_updated": "2026-09-30T18:00:00Z" }, { "brand_slug": "bank-of-melbourne", "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "legal_entity_abn": "33007457141", "licence_shared_with": [ "BankSA", "St.George Bank", "Westpac" ], "guarantee_adi": "Westpac Banking Corporation", "shares_guarantee_limit_with": [ "Westpac", "St.George Bank", "BankSA" ], "status": "ok", "stale": false, "product_count": 13, "savings_product_count": 5, "ranked_product_count": 5, "row_count": 15, "bank_last_updated": "2026-11-13T23:02:39Z" }, { "brand_slug": "bank-of-sydney", "brand": "Bank of Sydney", "brand_label": "Bank of Sydney", "legal_entity_abn": "44093488629", "licence_shared_with": [], "guarantee_adi": "Bank of Sydney Ltd", "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 8, "savings_product_count": 2, "ranked_product_count": 2, "row_count": 5, "bank_last_updated": "2026-10-16T04:08:05Z" }, { "brand_slug": "bank-of-us", "brand": "Bank of us", "brand_label": "Bank of us", "legal_entity_abn": "32087652088", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 12, "savings_product_count": 6, "ranked_product_count": 6, "row_count": 13, "bank_last_updated": "2026-11-01T21:04:35Z" }, { "brand_slug": "banksa", "brand": "BankSA", "brand_label": "BankSA", "legal_entity_abn": "33007457141", "licence_shared_with": [ "Bank of Melbourne", "St.George Bank", "Westpac" ], "guarantee_adi": "Westpac Banking Corporation", "shares_guarantee_limit_with": [ "Westpac", "St.George Bank", "Bank of Melbourne" ], "status": "ok", "stale": false, "product_count": 13, "savings_product_count": 5, "ranked_product_count": 5, "row_count": 15, "bank_last_updated": "2026-11-13T23:02:39Z" }, { "brand_slug": "bankvic", "brand": "BankVic", "brand_label": "BankVic", "legal_entity_abn": "33087651661", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 6, "savings_product_count": 5, "ranked_product_count": 5, "row_count": 10, "bank_last_updated": "2026-10-09T04:46:55Z" }, { "brand_slug": "bankwaw", "brand": "bankWAW", "brand_label": "BankWAW", "legal_entity_abn": "48087651787", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 21, "savings_product_count": 10, "ranked_product_count": 10, "row_count": 26, "bank_last_updated": "2026-11-02T22:31:56Z" }, { "brand_slug": "bankwest", "brand": "Bankwest", "brand_label": "Bankwest", "legal_entity_abn": "48123123124", "licence_shared_with": [ "CBA - CommBiz", "CommBank", "Unloan" ], "guarantee_adi": "Commonwealth Bank of Australia", "shares_guarantee_limit_with": [ "CommBank" ], "status": "ok", "stale": false, "product_count": 5, "savings_product_count": 3, "ranked_product_count": 3, "row_count": 9, "bank_last_updated": "2026-11-13T11:37:24Z" }, { "brand_slug": "bcu-bank", "brand": "BCU Bank", "brand_label": "BCU Bank", "legal_entity_abn": "69087651876", "licence_shared_with": [ "P&N Bank" ], "guarantee_adi": "Police & Nurses Limited", "shares_guarantee_limit_with": [ "P&N Bank" ], "status": "ok", "stale": false, "product_count": 11, "savings_product_count": 6, "ranked_product_count": 6, "row_count": 18, "bank_last_updated": "2026-11-13T00:00:41Z" }, { "brand_slug": "bendigo-bank", "brand": "Bendigo Bank", "brand_label": "Bendigo Bank", "legal_entity_abn": "11068049178", "licence_shared_with": [ "AFG Home Loans Alpha", "Aussie Elevate", "Connective Select", "NRMA Home Loans", "Qantas Money Basic/Offset Home Loans", "Tiimely Home", "Up" ], "guarantee_adi": "Bendigo and Adelaide Bank Limited", "shares_guarantee_limit_with": [ "Up" ], "status": "ok", "stale": false, "product_count": 13, "savings_product_count": 6, "ranked_product_count": 6, "row_count": 18, "bank_last_updated": "2026-10-18T13:32:24Z" }, { "brand_slug": "beyond-bank-australia", "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "legal_entity_abn": "15087651143", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 15, "savings_product_count": 5, "ranked_product_count": 5, "row_count": 25, "bank_last_updated": "2026-11-13T00:00:30Z" }, { "brand_slug": "bnk-bank-goldfields-money-bchl", "brand": "BNK Bank (Goldfields Money/BCHL)", "brand_label": "BNK Bank", "legal_entity_abn": "63087651849", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 3, "savings_product_count": 1, "ranked_product_count": 1, "row_count": 3, "bank_last_updated": "2026-11-04T04:00:00Z" }, { "brand_slug": "bank-of-queensland-limited", "brand": "Bank of Queensland Limited", "brand_label": "BOQ", "legal_entity_abn": "32009656740", "licence_shared_with": [ "BOQ Specialist", "DDH Graham", "ME Bank", "Virgin Money" ], "guarantee_adi": "Bank of Queensland Limited", "shares_guarantee_limit_with": [ "BOQ Specialist", "ME Bank" ], "status": "ok", "stale": false, "product_count": 11, "savings_product_count": 5, "ranked_product_count": 3, "row_count": 5, "bank_last_updated": "2026-11-11T21:53:58Z" }, { "brand_slug": "boq-specialist", "brand": "BOQ Specialist", "brand_label": "BOQ Specialist", "legal_entity_abn": "32009656740", "licence_shared_with": [ "BOQ", "DDH Graham", "ME Bank", "Virgin Money" ], "guarantee_adi": "Bank of Queensland Limited", "shares_guarantee_limit_with": [ "BOQ", "ME Bank" ], "status": "ok", "stale": false, "product_count": 4, "savings_product_count": 2, "ranked_product_count": 2, "row_count": 4, "bank_last_updated": "2026-11-04T20:55:51Z" }, { "brand_slug": "border-bank", "brand": "Border Bank", "brand_label": "Border Bank", "legal_entity_abn": "95087650799", "licence_shared_with": [ "Police Bank" ], "guarantee_adi": "Police Bank Ltd", "shares_guarantee_limit_with": [ "Police Bank" ], "status": "ok", "stale": false, "product_count": 8, "savings_product_count": 5, "ranked_product_count": 5, "row_count": 15, "bank_last_updated": "2026-11-11T13:01:29Z" }, { "brand_slug": "broken-hill-bank", "brand": "Broken Hill Bank", "brand_label": "Broken Hill Bank", "legal_entity_abn": "12087650762", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 8, "savings_product_count": 5, "ranked_product_count": 5, "row_count": 17, "bank_last_updated": "2026-11-13T00:00:17Z" }, { "brand_slug": "cairns-bank", "brand": "Cairns bank", "brand_label": "Cairns Bank", "legal_entity_abn": "68087933757", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "error", "stale": true, "product_count": 7, "savings_product_count": 4, "ranked_product_count": 4, "row_count": 11, "bank_last_updated": "2026-11-05T21:43:32Z" }, { "brand_slug": "central-murray-bank", "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "legal_entity_abn": "69087651812", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 12, "savings_product_count": 6, "ranked_product_count": 6, "row_count": 20, "bank_last_updated": "2026-07-31T04:40:29Z" }, { "brand_slug": "central-west-cul", "brand": "Central West CUL", "brand_label": "Central West Credit Union", "legal_entity_abn": "67087649885", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 13, "savings_product_count": 6, "ranked_product_count": 6, "row_count": 34, "bank_last_updated": "2026-10-31T21:38:52Z" }, { "brand_slug": "coastline-bank", "brand": "Coastline Bank", "brand_label": "Coastline Bank", "legal_entity_abn": "88087649910", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 12, "savings_product_count": 7, "ranked_product_count": 6, "row_count": 14, "bank_last_updated": "2026-11-13T00:00:15Z" }, { "brand_slug": "commbank", "brand": "CommBank", "brand_label": "CommBank", "legal_entity_abn": "48123123124", "licence_shared_with": [ "Bankwest", "CBA - CommBiz", "Unloan" ], "guarantee_adi": "Commonwealth Bank of Australia", "shares_guarantee_limit_with": [ "Bankwest" ], "status": "ok", "stale": false, "product_count": 21, "savings_product_count": 11, "ranked_product_count": 9, "row_count": 34, "bank_last_updated": "2026-11-13T12:01:09Z" }, { "brand_slug": "commfcu", "brand": "CommFCU", "brand_label": "Community First Bank", "legal_entity_abn": "80087649938", "licence_shared_with": [ "Easy Street" ], "guarantee_adi": "Community First Credit Union Limited", "shares_guarantee_limit_with": [ "Easy Street" ], "status": "ok", "stale": false, "product_count": 12, "savings_product_count": 6, "ranked_product_count": 6, "row_count": 16, "bank_last_updated": "2026-11-10T03:19:58Z" }, { "brand_slug": "connective-select", "brand": "Connective Select", "brand_label": "Connective Select", "legal_entity_abn": "11068049178", "licence_shared_with": [ "AFG Home Loans Alpha", "Aussie Elevate", "Bendigo Bank", "NRMA Home Loans", "Qantas Money Basic/Offset Home Loans", "Tiimely Home", "Up" ], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 1, "savings_product_count": 0, "ranked_product_count": 0, "row_count": 1, "bank_last_updated": "2026-11-13T00:52:15Z" }, { "brand_slug": "credit-union-sa", "brand": "Credit Union SA", "brand_label": "Credit Union SA", "legal_entity_abn": "36087651232", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 9, "savings_product_count": 4, "ranked_product_count": 4, "row_count": 9, "bank_last_updated": "2026-11-11T13:00:00Z" }, { "brand_slug": "darling-downs-bank", "brand": "Darling Downs Bank", "brand_label": "Darling Downs Bank", "legal_entity_abn": "98087651116", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 11, "savings_product_count": 5, "ranked_product_count": 5, "row_count": 27, "bank_last_updated": "2026-11-13T00:04:25Z" }, { "brand_slug": "defence-bank", "brand": "Defence Bank", "brand_label": "Defence Bank", "legal_entity_abn": "57087651385", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 8, "savings_product_count": 6, "ranked_product_count": 6, "row_count": 8, "bank_last_updated": "2026-10-13T13:00:00Z" }, { "brand_slug": "dnister", "brand": "Dnister", "brand_label": "Dnister", "legal_entity_abn": "59087651394", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 9, "savings_product_count": 5, "ranked_product_count": 4, "row_count": 4, "bank_last_updated": "2026-11-13T00:00:38Z" }, { "brand_slug": "easy-street", "brand": "Easy Street", "brand_label": "Easy Street", "legal_entity_abn": "80087649938", "licence_shared_with": [ "Community First Bank" ], "guarantee_adi": "Community First Credit Union Limited", "shares_guarantee_limit_with": [ "Community First Bank" ], "status": "ok", "stale": false, "product_count": 2, "savings_product_count": 1, "ranked_product_count": 1, "row_count": 3, "bank_last_updated": "2026-10-09T00:05:54Z" }, { "brand_slug": "fire-service-credit-union", "brand": "Fire Service Credit Union", "brand_label": "Fire Service Credit Union", "legal_entity_abn": "17087651152", "licence_shared_with": [], "guarantee_adi": null, "shares_guarantee_limit_with": [], "status": "ok", "stale": false, "product_count": 9, "savings_product_count": 5, "ranked_product_count": 5, "row_count": 13, "bank_last_updated": 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