{ "brand": "Arab Bank Australia Limited", "brand_label": "Arab Bank Australia", "brand_slug": "arab-bank-australia-limited", "legal_entity_abn": "37002950745", "public_base_uri": "https://public.cdr.arabbank.com.au", "logo_uri": "https://www.arabbank.com.au/themes/arabbank/images/abal-logo.svg", "status": "ok", "stale": false, "bank_last_updated": "2026-08-20T02:10:02Z", "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":4.85,"base_rate_pct":4.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Personal Online Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"intro","rate_pct":4.85,"base_rate_pct":4.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Personal Online Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":4.85,"base_rate_pct":4.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Personal Online Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"ongoing","rate_pct":3.2,"base_rate_pct":3.2,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":3.2,"base_rate_pct":3.2,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":3.2,"base_rate_pct":3.2,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":3.2,"base_rate_pct":3.2,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":3.2,"base_rate_pct":3.2,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":3.2,"base_rate_pct":3.2,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "rates confirmed on the bank's own page on 2026-10-30: 3.00% below $50,000, 4.85% from $50,000 and 4.95% from $500,000 (the page's rates are current as of 7 April 2026)", " Minimum opening deposit A$1  Individuals who are 18 years of age or over  Must be Australian residents for tax purposes  Successful completion of applicab…" ], "k2": [ "not updated by the bank since 2026-08-20, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "For information on the eligibility criteria, please contact our Customer Service. Contact details are found on the following link:", "also open to self-managed super funds (SMSFs): the bank's own words are \"In addition, Term Deposits and Business Online Savings accounts may be opened for Australian proprietary companies and self managed superannuation funds by following the applicable procedures.\"" ] }, "unranked": { "products": 6, "offset_account": 1, "foreign_currency": 3, "transaction_account": 2 } }, "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": "BOSA01", "product_name": "Business Online Savings Account", "product_label": "Business Online Savings Account", "product_slug": "business-online-savings-account", "page": "/au/finance/savings-accounts/accounts/arab-bank-australia-limited/business-online-savings-account/", "product_url": "https://www.arabbank.com.au/business/accounts/online-savings-account", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": null, "fees_url": null, "eligibility_url": null, "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "description": "An online savings account for businesses that provides a high rate of return and has the convenience of a regular transaction account online at your fingertips at any time.", "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": 1, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.3, "intro_pct": null, "base_pct": 0.3 }, "50000": { "ongoing_pct": 0.3, "intro_pct": null, "base_pct": 0.3 }, "250000": { "ongoing_pct": 3.2, "intro_pct": null, "base_pct": 3.2 } }, "rankings": [ { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 34, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 35, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 21, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 34, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 35, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 21, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 32, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 33, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 15, "of": 35 }, { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 38, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 41, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 14, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 38, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 41, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 15, "of": 42 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 37, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 40, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 12, "of": 42 } ], "features": { "card_access": true, "card": "Visa Debit payWave Card available with this account.", "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": [ "High rate of interest paid on balances as low as $1.", "For the serious saver an online savings account is ideal for managing your money in one p…", "Interest calculated daily, and paid monthly.", "Receive regular statements.", "No monthly account keeping fees." ] }, "feature_tags": [ "card", "app" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "In addition, Term Deposits and Business Online Savings accounts may be opened for Australian proprietary companies and self managed superannuation funds by following the applicable procedures.", "url": "https://www.arabbank.com.au/sites/default/files/2025-07/ABAL_PDS_July-25_Final.pdf", "checked": "2026-11-06", "citation": { "quote": "In addition, Term Deposits and Business Online Savings accounts may be opened for Australian proprietary companies and self managed superannuation funds by following the applicable procedures.", "url": "https://www.arabbank.com.au/sites/default/files/2025-07/ABAL_PDS_July-25_Final.pdf#page=10", "page": 10, "document_sha256": "fb8a3803e592aadda99b60db4d73c1c0c0d0b96e0e0ac69418711834dcc43cd0", "confirmed": "2026-11-13" } } ] }, "conditions": [ "not updated by the bank since 2026-08-20, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "For information on the eligibility criteria, please contact our Customer Service. 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Contact details are found on the following link:" ], "record_stale": true, "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/BOSA01", "source_snapshot": "/au/finance/savings-accounts/v1/source/arab-bank-australia-limited/BOSA01.json", "snapshot_at": "2026-10-22T13:24:02Z", "bank_last_updated": "2026-08-20T02:06:28.980163Z", "ranked": true, "unranked_reason": null, "row_count": 4, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.arabbank.com.au/business/accounts/online-savings-account", "https://www.arabbank.com.au/sites/default/files/2026-01/Account_Features_Charges_Booklet_2_Dec_2025_0.pdf", "https://www.arabbank.com.au/sites/default/files/2025-07/ABAL_PDS_July-25_Final.pdf", "https://www.arabbank.com.au/about/target-market-determinations" ] } }, { "product_id": "CMA01", "product_name": "Cash Management Account", "product_label": "Cash Management Account", "product_slug": "cash-management-account", "page": "/au/finance/savings-accounts/accounts/arab-bank-australia-limited/cash-management-account/", "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/cash-management-account", "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": "An account with great features and easy access to your money.", "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": 1000, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.1, "intro_pct": null, "base_pct": 0.1 }, "50000": { "ongoing_pct": 0.25, "intro_pct": null, "base_pct": 0.25 }, "250000": { "ongoing_pct": 0.4, 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