{
  "brand": "AMP - My AMP",
  "brand_label": "AMP Bank",
  "brand_slug": "amp-my-amp",
  "legal_entity_abn": "15081596009",
  "public_base_uri": "https://api.cdr-api.amp.com.au",
  "logo_uri": "https://www.amp.com.au/content/dam/amp-au/data/icons/amp-logo-reversed.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-06-24T16:00:00Z",
  "at_a_glance": {
    "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"ongoing","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"personal","kind":"intro","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"business","kind":"ongoing","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"business","kind":"intro","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"business","kind":"base","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-06-24, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "also open to businesses: the bank's own words are \"If you’re an Australian company ,  unregulated trust , or  sole trader , you can apply online, and it will take 10-20 minutes to complete.\""
      ]
    },
    "unranked": {
      "products": 1,
      "offset_account": 1
    }
  },
  "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.",
  "products": [
    {
      "product_id": "AMP_CASH_MANAGER",
      "product_name": "AMP Cash Manager",
      "product_label": "Cash Manager",
      "product_slug": "cash-manager",
      "page": "/au/finance/savings-accounts/accounts/amp-my-amp/cash-manager/",
      "product_url": "https://secure.amp.com.au/ddc/public/ui/cash-manager/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": null,
      "eligibility_url": null,
      "account_type": "cash_management",
      "segments": [
        "personal",
        "business"
      ],
      "segment": "personal",
      "description": "Benefit from a competitive tiered variable interest rate with no minimum deposit required.",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": 0,
      "max_balance": 5000000,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 4.5,
          "intro_pct": null,
          "base_pct": 4.5
        },
        "250000": {
          "ongoing_pct": 4.5,
          "intro_pct": null,
          "base_pct": 4.5
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 79,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 55,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 54,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 79,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 59,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 57,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 77,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 18,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 18,
          "of": 79
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 41,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 8,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 8,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 10000,
          "rank": 41,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 50000,
          "rank": 10,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 250000,
          "rank": 11,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 10000,
          "rank": 40,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 50000,
          "rank": 6,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 250000,
          "rank": 6,
          "of": 42
        }
      ],
      "features": {
        "card_access": true,
        "card": "Visa Debit Card",
        "digital_wallets": [
          "Make payments with Apple Pay, Samsung Pay or Google Pay using your device anywhere you can tap your Visa Debit Card"
        ],
        "osko": true,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": false,
        "unlimited_transactions": true,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "unlimited transactions",
        "wallets: Make payments with Apple Pay, Samsung Pay or Google Pay using your device anywhere you can tap your Visa Debit Card"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Currency conversion fee"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null,
        "open_to": [
          {
            "segment": "business",
            "who": "businesses",
            "quote": "If you’re an Australian company ,  unregulated trust , or  sole trader , you can apply online, and it will take 10-20 minutes to complete.",
            "url": "https://www.amp.com.au/business-banking/business-cash-manager",
            "checked": "2026-11-06",
            "citation": {
              "quote": "If you’re an Australian company ,  unregulated trust , or  sole trader , you can apply online, and it will take 10-20 minutes to complete.",
              "url": "https://www.amp.com.au/business-banking/business-cash-manager#:~:text=If%20you%E2%80%99re%20an%20Australian%20company,take%2010%2D20%20minutes%20to%20complete.",
              "document_sha256": "fe0417cc3a22bbba58239c7dd2c391983b2a24c50cd1cb0d6829341ae94074b2",
              "confirmed": "2026-11-13"
            }
          }
        ]
      },
      "conditions": [
        "not updated by the bank since 2026-06-24, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "also open to businesses: the bank's own words are \"If you’re an Australian company ,  unregulated trust , or  sole trader , you can apply online, and it will take 10-20 minutes to complete.\""
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_CASH_MANAGER",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/amp-my-amp/AMP_CASH_MANAGER.json",
      "snapshot_at": "2026-10-22T13:24:02Z",
      "bank_last_updated": "2026-06-24T16:00:00.000Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 4,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.amp.com.au/personal-banking/interest-rates-fees",
          "https://secure.amp.com.au/ddc/public/ui/cash-manager/",
          "https://www.amp.com.au/content/dam/amp-2024/documents/forms/NS5226_Deposit_Products_Terms_and_Conditions.pdf"
        ]
      }
    },
    {
      "product_id": "AMP_OFFSET_ACCOUNT",
      "product_name": "AMP Offset Deposit Account",
      "product_label": "Offset Deposit Account",
      "product_slug": "offset-deposit-account",
      "page": null,
      "product_url": "https://secure.amp.com.au/ddc/public/ui/offset-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": null,
      "eligibility_url": null,
      "account_type": "offset",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Reduce the term and interest repayments on your home loan",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": 0,
      "max_balance": 5000000,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Visa Debit Card",
        "digital_wallets": [
          "Make payments with Apple Pay, Samsung Pay or Google Pay using your device anywhere you can tap your Visa Debit Card"
        ],
        "osko": true,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": false,
        "unlimited_transactions": true,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "unlimited transactions",
        "wallets: Make payments with Apple Pay, Samsung Pay or Google Pay using your device anywhere you can tap your Visa Debit Card"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Currency conversion fee"
      ],
      "age_min": null,
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      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-06-24, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_OFFSET_ACCOUNT",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/amp-my-amp/AMP_OFFSET_ACCOUNT.json",
      "snapshot_at": "2026-10-22T13:24:02Z",
      "bank_last_updated": "2026-06-24T16:00:00.000Z",
      "ranked": false,
      "unranked_reason": "offset_account",
      "row_count": 1
    }
  ],
  "rows": [
    {
      "brand": "AMP - My AMP",
      "brand_label": "AMP Bank",
      "brand_slug": "amp-my-amp",
      "legal_entity_abn": "15081596009",
      "product_id": "AMP_CASH_MANAGER",
      "product_name": "AMP Cash Manager",
      "product_label": "Cash Manager",
      "product_slug": "cash-manager",
      "page": "/au/finance/savings-accounts/accounts/amp-my-amp/cash-manager/",
      "product_url": "https://secure.amp.com.au/ddc/public/ui/cash-manager/",
      "terms_url": null,
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      ],
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        "also open to businesses: the bank's own words are \"If you’re an Australian company ,  unregulated trust , or  sole trader , you can apply online, and it will take 10-20 minutes to complete.\""
      ],
      "record_stale": true,
      "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_CASH_MANAGER",
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      ],
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        "also open to businesses: the bank's own words are \"If you’re an Australian company ,  unregulated trust , or  sole trader , you can apply online, and it will take 10-20 minutes to complete.\""
      ],
      "record_stale": true,
      "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_CASH_MANAGER",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/amp-my-amp/AMP_CASH_MANAGER.json",
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      "ranked": true,
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    },
    {
      "brand": "AMP - My AMP",
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      "product_name": "AMP Cash Manager",
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      "product_url": "https://secure.amp.com.au/ddc/public/ui/cash-manager/",
      "terms_url": null,
      "account_type": "cash_management",
      "segments": [
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      ],
      "segment": "personal",
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        "also open to businesses: the bank's own words are \"If you’re an Australian company ,  unregulated trust , or  sole trader , you can apply online, and it will take 10-20 minutes to complete.\""
      ],
      "record_stale": true,
      "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_CASH_MANAGER",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/amp-my-amp/AMP_CASH_MANAGER.json",
      "bank_last_updated": "2026-06-24T16:00:00.000Z",
      "balance_from": 250000.01,
      "balance_to": 4999999.99,
      "base_rate_pct": 3.85,
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      "intro_total_rate_pct": null,
      "rate_application": "whole_balance",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "AMP - My AMP",
      "brand_label": "AMP Bank",
      "brand_slug": "amp-my-amp",
      "legal_entity_abn": "15081596009",
      "product_id": "AMP_CASH_MANAGER",
      "product_name": "AMP Cash Manager",
      "product_label": "Cash Manager",
      "product_slug": "cash-manager",
      "page": "/au/finance/savings-accounts/accounts/amp-my-amp/cash-manager/",
      "product_url": "https://secure.amp.com.au/ddc/public/ui/cash-manager/",
      "terms_url": null,
      "account_type": "cash_management",
      "segments": [
        "personal",
        "business"
      ],
      "segment": "personal",
      "bonus_is_total": null,
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      "bonus_conditions": [],
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      "restrictions": [],
      "conditions": [
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        "also open to businesses: the bank's own words are \"If you’re an Australian company ,  unregulated trust , or  sole trader , you can apply online, and it will take 10-20 minutes to complete.\""
      ],
      "record_stale": true,
      "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_CASH_MANAGER",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/amp-my-amp/AMP_CASH_MANAGER.json",
      "bank_last_updated": "2026-06-24T16:00:00.000Z",
      "balance_from": 5000000,
      "balance_to": null,
      "base_rate_pct": 2.0,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 2.0,
      "intro_total_rate_pct": null,
      "rate_application": "whole_balance",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "AMP - My AMP",
      "brand_label": "AMP Bank",
      "brand_slug": "amp-my-amp",
      "legal_entity_abn": "15081596009",
      "product_id": "AMP_OFFSET_ACCOUNT",
      "product_name": "AMP Offset Deposit Account",
      "product_label": "Offset Deposit Account",
      "product_slug": "offset-deposit-account",
      "page": null,
      "product_url": "https://secure.amp.com.au/ddc/public/ui/offset-account",
      "terms_url": null,
      "account_type": "offset",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": 0,
      "max_balance": 5000000,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [],
      "conditions": [
        "not updated by the bank since 2026-06-24, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "record_stale": true,
      "source_url": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_OFFSET_ACCOUNT",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/amp-my-amp/AMP_OFFSET_ACCOUNT.json",
      "bank_last_updated": "2026-06-24T16:00:00.000Z",
      "balance_from": 0,
      "balance_to": null,
      "base_rate_pct": 0.0,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 0.0,
      "intro_total_rate_pct": null,
      "rate_application": "whole_balance",
      "ranked": false,
      "unranked_reason": "offset_account"
    }
  ],
  "licence_shared_with": [
    "AMP Bank GO"
  ],
  "guarantee": {
    "adi": "AMP Bank Ltd",
    "abn": "15081596009",
    "shares_limit_with": [
      {
        "brand_slug": "amp-bank-go",
        "brand_label": "AMP Bank GO"
      }
    ],
    "may_share_limit_with": [],
    "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking"
  }
}
