{
  "brand": "ANZ Plus",
  "brand_label": "ANZ Plus",
  "brand_slug": "anz-plus",
  "legal_entity_abn": "11005357522",
  "public_base_uri": "https://cdr.apix.anz",
  "logo_uri": "https://assets.anz.com/is/image/anz/ANZPlus-Logo-Blue?$ResponsiveImage$&fmt=png-alpha",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-12T13:00:00Z",
  "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":5.6,"base_rate_pct":0.1,"bonus_rate_pct":5.5,"intro_rate_pct":null,"intro_months":null,"product_label":"Growth Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":5.6,"base_rate_pct":0.1,"bonus_rate_pct":5.5,"intro_rate_pct":null,"intro_months":null,"product_label":"Growth Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":0.1,"base_rate_pct":0.1,"bonus_rate_pct":5.5,"intro_rate_pct":null,"intro_months":null,"product_label":"Growth Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "grow the balance by $100 or more each month",
        "new ANZ Plus customers must link an ANZ Plus Everyday account"
      ]
    },
    "unranked": {
      "products": 1,
      "transaction_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": "SAVING02",
      "product_name": "ANZ Plus Flex Saver",
      "product_label": "Flex Saver",
      "product_slug": "flex-saver",
      "page": "/au/finance/savings-accounts/accounts/anz-plus/flex-saver/",
      "product_url": "https://www.anz.com.au/plus/accounts/anz-plus-flex-saver/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://anz.com/plus/terms",
      "fees_url": "https://anz.com/plus/terms",
      "eligibility_url": "https://anz.com/plus/terms",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Earn interest, pay bills and make transfers using the ANZ Plus Flex Saver.",
      "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": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 3.85,
          "intro_pct": null,
          "base_pct": 3.85
        },
        "50000": {
          "ongoing_pct": 2.65,
          "intro_pct": null,
          "base_pct": 2.65
        },
        "250000": {
          "ongoing_pct": 2.41,
          "intro_pct": null,
          "base_pct": 2.41
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 41,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 57,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 62,
          "of": 91,
          "hidden_by_default": true
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": true,
        "bpay": true,
        "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": [
        "app",
        "Osko",
        "PayID",
        "PayTo",
        "BPAY",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "INTERNATIONAL INWARD MONEY TRANSFER FEE",
        "INTERNATIONAL MONEY TRANSFER FEE"
      ],
      "age_min": 15,
      "age_max": null,
      "restrictions": [
        "existing_customers"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "existing_customers",
            "who": "only existing ANZ Plus customers can open a Flex Saver; new customers first join ANZ Plus with an Everyday or Growth Saver account",
            "level": "product",
            "quote": "To be eligible for the ANZ Plus Flex Saver account you must be an existing ANZ Plus customer.",
            "source": "https://www.anz.com.au/plus/accounts/anz-plus-flex-saver/",
            "citation": {
              "quote": "To be eligible for the ANZ Plus Flex Saver account you must be an existing ANZ Plus customer.",
              "url": "https://www.anz.com.au/plus/accounts/anz-plus-flex-saver/#:~:text=To%20be%20eligible%20for%20the,an%20existing%20ANZ%20Plus%20customer.",
              "document_sha256": "f1b5bc557ec2738ed095f9c02cf602c7327d2a2d49ee3f27fb4f7c93f982eaa2",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "only existing ANZ Plus customers can open a Flex Saver; new customers first join ANZ Plus with an Everyday or Growth Saver account"
      ],
      "eligibility": [
        "residency: Australian Permanent Resident, Australian Citizen, Australian Temporary Resident"
      ],
      "record_stale": true,
      "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/SAVING02",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/anz-plus/SAVING02.json",
      "snapshot_at": "2026-10-22T13:24:02Z",
      "bank_last_updated": "2026-10-08T13:00:00.000Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.anz.com.au/plus/accounts/anz-plus-flex-saver/",
          "https://www.anz.com.au/plus/interest-fees/",
          "https://www.anz.com.au/plus/terms-conditions/product-terms-conditions/"
        ]
      }
    },
    {
      "product_id": "SAVING01",
      "product_name": "ANZ Plus Growth Saver",
      "product_label": "Growth Saver",
      "product_slug": "growth-saver",
      "page": "/au/finance/savings-accounts/accounts/anz-plus/growth-saver/",
      "product_url": "https://anz.com/plus/products",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://anz.com/plus/terms",
      "fees_url": "https://anz.com/plus/terms",
      "eligibility_url": "https://anz.com/plus/terms",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Get an ANZ Plus Growth Saver account to help smash your savings goals",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "balance_grows",
          "value": 100,
          "text": "Grow your savings by $100 or more (on top of any interest you receive) each month to earn a bonus rate with ANZ Plus Growth Saver"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 5.6,
          "intro_pct": null,
          "base_pct": 0.1
        },
        "50000": {
          "ongoing_pct": 5.6,
          "intro_pct": null,
          "base_pct": 0.1
        },
        "250000": {
          "ongoing_pct": 5.6,
          "intro_pct": null,
          "base_pct": 0.1
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 10,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 9,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 8,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 21,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 20,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 17,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 70,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 71,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 71,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": false,
        "unlimited_transactions": true,
        "free_transactions": null,
        "linked_account_required": true,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Savings Goals - Set and track up to 99 savings goals without opening new accounts"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "INTERNATIONAL INWARD MONEY TRANSFER FEE"
      ],
      "age_min": 15,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "grow the balance by $100 or more each month",
        "new ANZ Plus customers must link an ANZ Plus Everyday account"
      ],
      "eligibility": [
        "residency: Australian Permanent Resident, Australian Citizen, Australian Temporary Resident"
      ],
      "record_stale": false,
      "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/SAVING01",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/anz-plus/SAVING01.json",
      "snapshot_at": "2026-11-13T01:40:46Z",
      "bank_last_updated": "2026-11-12T13:00:00.000Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.anz.com.au/plus/accounts/growth-saver/",
          "https://www.anz.com.au/plus/interest-fees/",
          "https://anz.com/plus/terms"
        ]
      }
    },
    {
      "product_id": "TRANSACT01",
      "product_name": "ANZ Plus Everyday",
      "product_label": "Everyday",
      "product_slug": "everyday",
      "page": "/au/finance/savings-accounts/accounts/anz-plus/everyday/",
      "product_url": "https://anz.com/plus/products",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://anz.com/plus/terms",
      "fees_url": "https://anz.com/plus/terms",
      "eligibility_url": "https://anz.com/plus/terms",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Get an ANZ Plus Everyday account to help sort your spending",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
      "extra_bonuses": [],
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      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": null,
        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Consumer Visa Debit Card Standard",
        "digital_wallets": [
          "Apple Pay",
          "Garmin Pay",
          "Google Pay",
          "Samsung Pay"
        ],
        "osko": true,
        "payid": true,
        "payto": true,
        "bpay": true,
        "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",
        "PayID",
        "PayTo",
        "BPAY",
        "unlimited transactions",
        "wallets: Apple Pay, Garmin Pay, Google Pay, Samsung Pay"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Overseas Transaction Fee",
        "INTERNATIONAL INWARD MONEY TRANSFER FEE",
        "INTERNATIONAL MONEY TRANSFER FEE"
      ],
      "age_min": 15,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-04-27, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [
        "residency: Australian Permanent Resident, Australian Citizen, Australian Temporary Resident"
      ],
      "record_stale": true,
      "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/TRANSACT01",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/anz-plus/TRANSACT01.json",
      "snapshot_at": "2026-10-22T13:24:02Z",
      "bank_last_updated": "2026-04-27T14:00:00.000Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    }
  ],
  "rows": [
    {
      "brand": "ANZ Plus",
      "brand_label": "ANZ Plus",
      "brand_slug": "anz-plus",
      "legal_entity_abn": "11005357522",
      "product_id": "SAVING02",
      "product_name": "ANZ Plus Flex Saver",
      "product_label": "Flex Saver",
      "product_slug": "flex-saver",
      "page": "/au/finance/savings-accounts/accounts/anz-plus/flex-saver/",
      "product_url": "https://www.anz.com.au/plus/accounts/anz-plus-flex-saver/",
      "terms_url": "https://anz.com/plus/terms",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
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      "intro_months": null,
      "max_bonus_balance": null,
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      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": 15,
      "age_max": null,
      "restrictions": [
        "existing_customers"
      ],
      "conditions": [
        "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "only existing ANZ Plus customers can open a Flex Saver; new customers first join ANZ Plus with an Everyday or Growth Saver account"
      ],
      "record_stale": true,
      "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/SAVING02",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/anz-plus/SAVING02.json",
      "bank_last_updated": "2026-10-08T13:00:00.000Z",
      "balance_from": 0,
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      "base_rate_pct": 5.35,
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      "ongoing_rate_pct": 5.35,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "ANZ Plus",
      "brand_label": "ANZ Plus",
      "brand_slug": "anz-plus",
      "legal_entity_abn": "11005357522",
      "product_id": "SAVING02",
      "product_name": "ANZ Plus Flex Saver",
      "product_label": "Flex Saver",
      "product_slug": "flex-saver",
      "page": "/au/finance/savings-accounts/accounts/anz-plus/flex-saver/",
      "product_url": "https://www.anz.com.au/plus/accounts/anz-plus-flex-saver/",
      "terms_url": "https://anz.com/plus/terms",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
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      "bonus_conditions": [],
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      "age_min": 15,
      "age_max": null,
      "restrictions": [
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      ],
      "conditions": [
        "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "only existing ANZ Plus customers can open a Flex Saver; new customers first join ANZ Plus with an Everyday or Growth Saver account"
      ],
      "record_stale": true,
      "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/SAVING02",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/anz-plus/SAVING02.json",
      "bank_last_updated": "2026-10-08T13:00:00.000Z",
      "balance_from": 5000.01,
      "balance_to": null,
      "base_rate_pct": 2.35,
      "bonus_rate_pct": null,
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      "ongoing_rate_pct": 2.35,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "ANZ Plus",
      "brand_label": "ANZ Plus",
      "brand_slug": "anz-plus",
      "legal_entity_abn": "11005357522",
      "product_id": "SAVING01",
      "product_name": "ANZ Plus Growth Saver",
      "product_label": "Growth Saver",
      "product_slug": "growth-saver",
      "page": "/au/finance/savings-accounts/accounts/anz-plus/growth-saver/",
      "product_url": "https://anz.com/plus/products",
      "terms_url": "https://anz.com/plus/terms",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [
        {
          "type": "balance_grows",
          "value": 100,
          "text": "Grow your savings by $100 or more (on top of any interest you receive) each month to earn a bonus rate with ANZ Plus Growth Saver"
        }
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": 15,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "conditions": [
        "grow the balance by $100 or more each month",
        "new ANZ Plus customers must link an ANZ Plus Everyday account"
      ],
      "record_stale": false,
      "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/SAVING01",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/anz-plus/SAVING01.json",
      "bank_last_updated": "2026-11-12T13:00:00.000Z",
      "balance_from": 0,
      "balance_to": null,
      "base_rate_pct": 0.1,
      "bonus_rate_pct": 5.5,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 5.6,
      "intro_total_rate_pct": null,
      "rate_application": "whole_balance",
      "ranked": true,
      "unranked_reason": null
    }
  ],
  "licence_shared_with": [
    "ANZ"
  ],
  "guarantee": {
    "adi": "Australia and New Zealand Banking Group Limited",
    "abn": "11005357522",
    "shares_limit_with": [
      {
        "brand_slug": "anz",
        "brand_label": "ANZ"
      }
    ],
    "may_share_limit_with": [],
    "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking"
  }
}
