{ "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "brand_slug": "australian-mutual-bank-ltd", "legal_entity_abn": "30087650459", "public_base_uri": "https://ob.tmbl.com.au/ambank", "logo_uri": "https://www.tmbank.com.au/content/dam/channels/websites/common-assets/logos/Header%20logos/AMBL-logo-rgb-colour-horizontal.svg", "status": "ok", "stale": false, "bank_last_updated": "2026-11-11T20:54:26Z", "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":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Starter Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":false}, {"segment":"personal","kind":"intro","rate_pct":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Starter Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Starter Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":false}, {"segment":"smsf","kind":"ongoing","rate_pct":5.5,"base_rate_pct":5.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Essential Saver 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":["occupation_membership"],"record_stale":false}, {"segment":"smsf","kind":"intro","rate_pct":5.5,"base_rate_pct":5.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Essential Saver 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":["occupation_membership"],"record_stale":false}, {"segment":"smsf","kind":"base","rate_pct":5.5,"base_rate_pct":5.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Essential Saver 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":["occupation_membership"],"record_stale":false}, {"segment":"business","kind":"ongoing","rate_pct":2.95,"base_rate_pct":2.95,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["occupation_membership"],"record_stale":false}, {"segment":"business","kind":"intro","rate_pct":2.95,"base_rate_pct":2.95,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["occupation_membership"],"record_stale":false}, {"segment":"business","kind":"base","rate_pct":2.95,"base_rate_pct":2.95,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["occupation_membership"],"record_stale":false} ], "condition_sets": { "k1": [ "age 29 and under", "Membership limited to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank (the lender's words)", "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…", "open to members under 30, or university students of any age studying full or part time at an Australian university" ], "k2": [ "Membership limited to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank (the lender's words)", "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…", "also open to self-managed super funds (SMSFs): the bank's own words are \"an Australian company, partnership, trust, unincorporated association, incorporated association, self-managed super fund, government body or registered co-operative.\"" ], "k3": [ "Membership limited to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank (the lender's words)", "Membership is open to everyone. Visit our website for more details.", "also open to self-managed super funds (SMSFs): the bank's own words are \"an Australian company, partnership, trust, sole trader, incorporated association, self-managed super fund, government body or registered co-operative.\"" ] }, "unranked": { "products": 2, "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": "4fbd13a4-4521-11f1-96bb-325096b39f47", "product_name": "Business Saver account", "product_label": "Business Saver Account", "product_slug": "business-saver-account", "page": "/au/finance/savings-accounts/accounts/australian-mutual-bank-ltd/business-saver-account/", "product_url": "https://australianmutual.bank/business/accounts/business-inet-saver-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://australianmutual.bank/about-us/disclosures-and-reports/", "fees_url": "https://australianmutual.bank/media/4629/ambl_feeschargesandtransactionlimits_25-nov25.pdf", "eligibility_url": "https://australianmutual.bank/business/accounts/business-inet-saver-account/", "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "description": "An online savings account to help your business grow", "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": 2.95, "intro_pct": null, "base_pct": 2.95 }, "50000": { "ongoing_pct": 2.95, "intro_pct": null, "base_pct": 2.95 }, "250000": { "ongoing_pct": 2.95, "intro_pct": null, "base_pct": 2.95 } }, "rankings": [ { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 19, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 22, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 23, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 20, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 24, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 25, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 17, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 20, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 21, "of": 50, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "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", "BPAY", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank", "level": "bank", "quote": "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.", "source": "feed: eligibility OTHER" } ], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "an Australian company, partnership, trust, sole trader, incorporated association, self-managed super fund, government body or registered co-operative.", "url": "https://australianmutual.bank/reusable-documents/disclosure-documents/tmbl-disclosures/tmds/business-saver-account/", "checked": "2026-11-06", "citation": { "quote": "an Australian company, partnership, trust, sole trader, incorporated association, self-managed super fund, government body or registered co-operative.", "url": "https://australianmutual.bank/reusable-documents/disclosure-documents/tmbl-disclosures/tmds/business-saver-account/#page=3", "page": 3, "document_sha256": "b6e8e5079089b81f86e25a58d39fcfc02c32cabc5d6659ee2a45dbbd2feb2f9a", "confirmed": "2026-11-13" } } ] }, "conditions": [ "Membership limited to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank (the lender's words)", "Membership is open to everyone. 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Visit our website for more details.", "residency: Individuals must be citizens or permanent residents of Australia.", "business: Only business clients may apply for the account" ], "record_stale": false, "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4fbd13a4-4521-11f1-96bb-325096b39f47", "source_snapshot": "/au/finance/savings-accounts/v1/source/australian-mutual-bank-ltd/4fbd13a4-4521-11f1-96bb-325096b39f47.json", "snapshot_at": "2026-11-12T02:32:00Z", "bank_last_updated": "2026-11-12T07:47:16.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://australianmutual.bank/business/accounts/business-inet-saver-account/", "https://australianmutual.bank/reusable-documents/disclosure-documents/tmbl-disclosures/fees-and-charges/", "https://australianmutual.bank/reusable-documents/disclosure-documents/tmbl-disclosures/conditions-of-use-accounts-and-access/", "https://australianmutual.bank/about-us/become-a-member/" ] } }, { "product_id": "82bd17b8-4521-11f1-b40a-325096b39f47", "product_name": "Edvest Cash Management account", "product_label": "Edvest Cash Management Account", "product_slug": "edvest-cash-management-account", "page": "/au/finance/savings-accounts/accounts/australian-mutual-bank-ltd/edvest-cash-management-account/", "product_url": "https://australianmutual.bank/banking/savings-accounts/Edvest-Cash-Management", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://australianmutual.bank/about-us/disclosures-and-reports/", "fees_url": "https://australianmutual.bank/media/4629/ambl_feeschargesandtransactionlimits_25-nov25.pdf", "eligibility_url": "https://australianmutual.bank/banking/savings-accounts/Edvest-Cash-Management", "account_type": "cash_management", "segments": [ "personal" ], "segment": "personal", "description": "Exclusive to Edvest members, our higher interest rates make your money work harder for you.", "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": 1.5, "intro_pct": null, "base_pct": 1.5 }, "50000": { "ongoing_pct": 1.5, "intro_pct": null, "base_pct": 1.5 }, "250000": { "ongoing_pct": 1.5, "intro_pct": null, "base_pct": 1.5 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": true, "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", "notifications", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "occupation_membership", "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank", "level": "bank", "quote": "You must be a member. 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