{ "brand": "Australian Military Bank", "brand_label": "Australian Military Bank", "brand_slug": "australian-military-bank", "legal_entity_abn": "48087649741", "public_base_uri": "https://public.open.australianmilitarybank.com.au", "logo_uri": "https://assets.australianmilitarybank.com.au/AMB_Logo_72961285c1.svg", "status": "ok", "stale": false, "bank_last_updated": "2026-11-11T04:06:24Z", "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":5.1,"base_rate_pct":0.1,"bonus_rate_pct":5.0,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":500000,"max_balance":500000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}, {"segment":"personal","kind":"intro","rate_pct":5.1,"base_rate_pct":0.1,"bonus_rate_pct":5.0,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":500000,"max_balance":500000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":2.0,"base_rate_pct":2.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Club","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k2","restrictions":["christmas_club"],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":5.1,"base_rate_pct":0.1,"bonus_rate_pct":5.0,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":500000,"max_balance":500000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}, {"segment":"smsf","kind":"intro","rate_pct":5.1,"base_rate_pct":0.1,"bonus_rate_pct":5.0,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":500000,"max_balance":500000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}, {"segment":"smsf","kind":"base","rate_pct":4.35,"base_rate_pct":4.35,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"DIY Super Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "The bonus interest rate is applicable to the full account balance when you maintain a balance between $0 and $500,000 and don’t make any withdrawals during the…", "open to people aged 11 and over; younger children need a parent or guardian to open it", "withdrawals can only go to one linked account, either an Australian Military Bank account or an external account", "also open to self-managed super funds (SMSFs): its Account and Access Facility Terms and Conditions, which govern this account, say \"You can open an account as a trust account, including a Self-Managed Super Fund (SMSF).\"" ], "k2": [ "not updated by the bank since 2026-08-24, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a Christmas club account: withdrawals are restricted for most of the year", "also open to self-managed super funds (SMSFs): its Account and Access Facility Terms and Conditions, which govern this account, say \"You can open an account as a trust account, including a Self-Managed Super Fund (SMSF).\"" ], "k3": [ "not updated by the bank since 2026-10-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Only self-managed super funds can open a DIY Super Saver Account." ] }, "unranked": { "products": 6, "transaction_account": 4, "other_product": 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": "326776d2-ae4e-445b-bb8a-eca7cfed1ec5", "product_name": "Christmas Club", "product_label": "Christmas Club", "product_slug": "christmas-club", "page": "/au/finance/savings-accounts/accounts/australian-military-bank/christmas-club/", "product_url": "https://www.australianmilitarybank.com.au/savings-accounts/christmas-club-account", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "fees_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "eligibility_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "account_type": "savings", "segments": [ "personal", "smsf" ], "segment": "personal", "description": "With limited withdrawals throughout the year and a direct credit facility available, the Christmas Club Account helps you stay on track with your savings for the festive season.", "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": 2.0, "intro_pct": null, "base_pct": 2.0 }, "50000": { "ongoing_pct": 2.0, "intro_pct": null, "base_pct": 2.0 }, "250000": { "ongoing_pct": 2.0, "intro_pct": null, "base_pct": 2.0 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 10000, "rank": 44, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 46, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 50, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "No monthly account keeping fees", "Withdrawals available between 1 November and 31 January each year" ] }, "feature_tags": [ "app", "notifications" ], "interest_paid": "annually", "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Archive retrieval fee" ], "age_min": null, "age_max": null, "restrictions": [ "christmas_club" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "You can open an account as a trust account, including a Self-Managed Super Fund (SMSF).", "url": "https://assets.australianmilitarybank.com.au/Account_Access_Facility_T_Cs_AMB_15082026_FINAL_128d9ce354.pdf", "checked": "2026-11-06", "citation": { "quote": "You can open an account as a trust account, including a Self-Managed Super Fund (SMSF).", "url": "https://assets.australianmilitarybank.com.au/Account_Access_Facility_T_Cs_AMB_15082026_FINAL_128d9ce354.pdf#page=11", "page": 11, "document_sha256": "75f80508f5a79942310d2be4de6bc637f7ab1978e027a45abf92b00ec3754ced", "confirmed": "2026-11-13" } } ] }, "conditions": [ "not updated by the bank since 2026-08-24, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a Christmas club account: withdrawals are restricted for most of the year", "also open to self-managed super funds (SMSFs): its Account and Access Facility Terms and Conditions, which govern this account, say \"You can open an account as a trust account, including a Self-Managed Super Fund (SMSF).\"" ], "eligibility": [ "residency: Individuals must be citizens or permanent residents of Australia." ], "record_stale": true, "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/326776d2-ae4e-445b-bb8a-eca7cfed1ec5", "source_snapshot": "/au/finance/savings-accounts/v1/source/australian-military-bank/326776d2-ae4e-445b-bb8a-eca7cfed1ec5.json", "snapshot_at": "2026-10-22T13:24:03Z", "bank_last_updated": "2026-08-24T23:19:48.597843Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.australianmilitarybank.com.au/savings-accounts/christmas-club-account", "https://australianmilitarybank.com.au/api/documents/?theme=AMB&slug=fees-and-charges-schedule (Fees and Charges Schedule PDF, effective 15 Aug 2026)", "https://australianmilitarybank.com.au/api/documents/?theme=AMB&slug=account-and-access-facility-terms-and-conditions (Account and Access Facility Terms and Conditions PDF, effective 15 Aug 2026)" ] } }, { "product_id": "3c42c73d-8632-4304-9f0e-132ad5f1ab42", "product_name": "DIY Super Saver", "product_label": "DIY Super Saver", "product_slug": "diy-super-saver", "page": "/au/finance/savings-accounts/accounts/australian-military-bank/diy-super-saver/", "product_url": "https://www.australianmilitarybank.com.au//superannuation/diy-super-saver-account", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "fees_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "eligibility_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "account_type": "savings", "segments": [ "smsf" ], "segment": "smsf", "description": "Our DIY Super Saver Account is a cash account specifically designed for self-managed super funds. Offering you greater control over how you invest your superannuation funds, the DIY Super Saver Account is simple to open and easy to operate. You can leave your funds in the account to earn a high int…", "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": 4.35, "intro_pct": null, "base_pct": 4.35 }, "50000": { "ongoing_pct": 4.35, "intro_pct": null, "base_pct": 4.35 }, "250000": { "ongoing_pct": 4.35, "intro_pct": null, "base_pct": 4.35 } }, "rankings": [ { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 8, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 8, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 10, "of": 35 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "No monthly account keeping fees", "Earn high interest specifically designed for self-managed superannuation funds" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "notifications" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Archive retrieval fee", "Foreign Cash" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Only self-managed super funds can open a DIY Super Saver Account." ], "eligibility": [ "Only self-managed super funds can open a DIY Super Saver Account.", "residency: Self-managed super fund must be registered in Australia" ], "record_stale": true, "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/3c42c73d-8632-4304-9f0e-132ad5f1ab42", "source_snapshot": "/au/finance/savings-accounts/v1/source/australian-military-bank/3c42c73d-8632-4304-9f0e-132ad5f1ab42.json", "snapshot_at": "2026-10-31T23:11:52Z", "bank_last_updated": "2026-10-31T13:00:00.303015Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.australianmilitarybank.com.au/superannuation/diy-super-saver-account", "https://www.australianmilitarybank.com.au/disclosuredocuments/diy-super-saver-tmd/" ] } }, { "product_id": "9d1888b8-097d-4c21-849f-730bfaace6c3", "product_name": "Online Saver", "product_label": "Online Saver", "product_slug": "online-saver", "page": "/au/finance/savings-accounts/accounts/australian-military-bank/online-saver/", "product_url": "https://www.australianmilitarybank.com.au/savings-account/online-saver", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "fees_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "eligibility_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "account_type": "savings", "segments": [ "personal", "smsf" ], "segment": "personal", "description": "The Online Saver Account gives you access to your money exclusively via Internet Banking, so you can avoid temptation and reach your savings goals faster. Plus, you’ll be rewarded with a competitive bonus interest rate when the conditions on the account are met.", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "other", "value": null, "text": "The bonus interest rate is applicable to the full account balance when you maintain a balance between $0 and $500,000 and don’t make any withdrawals during the month." } ], "extra_bonuses": [], "max_bonus_balance": 500000, "min_balance": null, "max_balance": 500000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.1, "intro_pct": null, "base_pct": 0.1 }, "50000": { "ongoing_pct": 5.1, "intro_pct": null, "base_pct": 0.1 }, "250000": { "ongoing_pct": 5.1, "intro_pct": null, "base_pct": 0.1 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 41, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 40, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 35, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 45, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 44, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 39, "of": 79 }, { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 8, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 8, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 8, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 10, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 10, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 10, "of": 35 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "No monthly account keeping fees", "A bonus interest rate for balances between $5,000 - $500,000 when no withdrawals are made…" ] }, "feature_tags": [ "app", "Osko", "PayID", "notifications" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Buy Foreign Currency", "ATM Fee", "Bank@Post Cheque Dishonour Fee", "EFTPOS Dispute Fee", "Cash Advance at Other Financial Institution", "Foreign Currency Conversion", "Visa Card Replacement Processing Fee", "Retrieval of member documents from archives" ], "age_min": 11, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "You can open an account as a trust account, including a Self-Managed Super Fund (SMSF).", "url": "https://assets.australianmilitarybank.com.au/Account_Access_Facility_T_Cs_AMB_15082026_FINAL_128d9ce354.pdf", "checked": "2026-11-06", "citation": { "quote": "You can open an account as a trust account, including a Self-Managed Super Fund (SMSF).", "url": "https://assets.australianmilitarybank.com.au/Account_Access_Facility_T_Cs_AMB_15082026_FINAL_128d9ce354.pdf#page=11", "page": 11, "document_sha256": "75f80508f5a79942310d2be4de6bc637f7ab1978e027a45abf92b00ec3754ced", "confirmed": "2026-11-13" } } ] }, "conditions": [ "The bonus interest rate is applicable to the full account balance when you maintain a balance between $0 and $500,000 and don’t make any withdrawals during the…", "open to people aged 11 and over; younger children need a parent or guardian to open it", "withdrawals can only go to one linked account, either an Australian Military Bank account or an external account", "also open to self-managed super funds (SMSFs): its Account and Access Facility Terms and Conditions, which govern this account, say \"You can open an account as a trust account, including a Self-Managed Super Fund (SMSF).\"" ], "eligibility": [ "residency: Individuals must be citizens or permanent residents of Australia." ], "record_stale": false, "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/9d1888b8-097d-4c21-849f-730bfaace6c3", "source_snapshot": "/au/finance/savings-accounts/v1/source/australian-military-bank/9d1888b8-097d-4c21-849f-730bfaace6c3.json", "snapshot_at": "2026-11-10T03:12:55Z", "bank_last_updated": "2026-11-10T02:30:19.751012Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.australianmilitarybank.com.au/savings-account/online-saver", "https://australianmilitarybank.com.au/api/documents/?theme=AMB&slug=fees-and-charges-schedule (Fees and Charges Schedule PDF, effective 15 Aug 2026)", "https://australianmilitarybank.com.au/api/documents/?theme=AMB&slug=account-and-access-facility-terms-and-conditions (Account and Access Facility Terms and Conditions PDF, effective 15 Aug 2026)" ] } }, { "product_id": "d397f2bc-69e8-4bbc-b5ec-b990ba568d9c", "product_name": "Pension Access Account", "product_label": "Pension Access Account", "product_slug": "pension-access-account", "page": "/au/finance/savings-accounts/accounts/australian-military-bank/pension-access-account/", "product_url": "https://www.australianmilitarybank.com.au/everyday-accounts/pension-access-account", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "fees_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "eligibility_url": "https://www.australianmilitarybank.com.au/disclosuredocuments", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Our Pension Access Account is specifically designed for those aged 55 and over who are receiving a Government pension. You can easily manage your pension and the interest you receive on your savings", "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": 2.0, "intro_pct": null, "base_pct": 2.0 }, "50000": { "ongoing_pct": 2.0, "intro_pct": null, "base_pct": 2.0 }, "250000": { "ongoing_pct": 2.0, "intro_pct": null, "base_pct": 2.0 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit", "digital_wallets": [ "Apple Pay, Google Pay, Samsung Pay. Garmin Pay, Fitbit Pay" ], "osko": false, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Tiered interest rate" ] }, "feature_tags": [ "card", "app", "PayID", "BPAY", "notifications", "wallets: Apple Pay, Google Pay, Samsung Pay. 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