{
  "brand": "Auswide Bank Ltd",
  "brand_label": "Auswide Bank",
  "brand_slug": "auswide-bank-ltd",
  "legal_entity_abn": "89067729195",
  "public_base_uri": "https://api.auswidebank.com.au/openbanking",
  "logo_uri": "https://community.auswidebank.com.au/resources/images/templates/shared/auswide-bank-logo.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-11T23:00:44Z",
  "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 Management","account_type":"cash_management","reference_balances":[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":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Management","account_type":"cash_management","reference_balances":[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":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Management","account_type":"cash_management","reference_balances":[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":4.25,"base_rate_pct":4.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Self-Managed Super Fund","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":false},
      {"segment":"smsf","kind":"intro","rate_pct":4.25,"base_rate_pct":4.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Self-Managed Super Fund","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":false},
      {"segment":"smsf","kind":"base","rate_pct":4.25,"base_rate_pct":4.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Self-Managed Super Fund","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":false},
      {"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 Management","account_type":"cash_management","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":"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 Management","account_type":"cash_management","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":"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 Management","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "a $5 monthly fee in a month the balance falls below $5,000"
      ],
      "k2": [
        "Trust must be established and deed supplied."
      ]
    },
    "unranked": {
      "products": 7,
      "transaction_account": 4,
      "other_product": 2,
      "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": "4a276227-7f7a-4cac-a018-88138b099a8e",
      "product_name": "BONUS PLUS SAVER",
      "product_label": "Bonus Plus Saver",
      "product_slug": "bonus-plus-saver",
      "page": "/au/finance/savings-accounts/accounts/auswide-bank-ltd/bonus-plus-saver/",
      "product_url": "https://auswidebank.com.au/banking/savings-and-term-deposits/bonus-plus-saver//",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "fees_url": "https://auswidebank.com.au/help/resources/fees-and-charges/",
      "eligibility_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A savings account that pays bonus interest when a deposit and no withdrawals are made during the month",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "max_withdrawals",
          "value": 0,
          "text": "no withdrawals"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 3.56,
          "intro_pct": null,
          "base_pct": 0.01
        },
        "50000": {
          "ongoing_pct": 3.56,
          "intro_pct": null,
          "base_pct": 0.01
        },
        "250000": {
          "ongoing_pct": 3.56,
          "intro_pct": null,
          "base_pct": 0.01
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 63,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 65,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 64,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 66,
          "of": 79
        }
      ],
      "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": [
          "Up to 9 Sub Accounts"
        ]
      },
      "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": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-11-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "no withdrawals in the month",
        "bonus needs at least one deposit or credit in the calendar month as well as no withdrawals or debits"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/4a276227-7f7a-4cac-a018-88138b099a8e",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/auswide-bank-ltd/4a276227-7f7a-4cac-a018-88138b099a8e.json",
      "snapshot_at": "2026-10-31T23:11:52Z",
      "bank_last_updated": "2026-11-01T08:41:20.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://auswidebank.com.au/banking/savings-and-term-deposits/bonus-plus-saver/",
          "https://auswidebank.com.au/reusable-documents/fees-charges/personal-deposit-accounts/guide-to-personal-bank-accounts-0623/",
          "https://auswidebank.com.au/reusable-documents/interest-rates/on-call-deposit-accounts-interest-rates-0523/",
          "https://auswidebank.com.au/help/resources/terms-and-conditions/"
        ]
      }
    },
    {
      "product_id": "60f02256-3125-4a50-964f-bdb862efdd4e",
      "product_name": "CASH MANAGEMENT",
      "product_label": "Cash Management",
      "product_slug": "cash-management",
      "page": "/au/finance/savings-accounts/accounts/auswide-bank-ltd/cash-management/",
      "product_url": "https://auswidebank.com.au/banking/everyday-accounts/cash-management-account/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "fees_url": "https://auswidebank.com.au/help/resources/fees-and-charges/",
      "eligibility_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "account_type": "cash_management",
      "segments": [
        "personal",
        "business"
      ],
      "segment": "personal",
      "description": "A cash management account",
      "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": 1.45,
          "intro_pct": null,
          "base_pct": 1.45
        },
        "50000": {
          "ongoing_pct": 1.9,
          "intro_pct": null,
          "base_pct": 1.9
        },
        "250000": {
          "ongoing_pct": 4.5,
          "intro_pct": null,
          "base_pct": 4.5
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 55,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 58,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 19,
          "of": 79
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 27,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 24,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 9,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 10000,
          "rank": 27,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 50000,
          "rank": 24,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 250000,
          "rank": 12,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 10000,
          "rank": 24,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 50000,
          "rank": 21,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 250000,
          "rank": 7,
          "of": 42
        }
      ],
      "features": {
        "card_access": true,
        "card": "Visa Debit Card",
        "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": [
          "Up to 99 Sub Accounts"
        ]
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "PayID",
        "BPAY",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "ATM_DIRECT_CHARGE_FEE",
        "CURRENCY_CONVERSION_FEE"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "a $5 monthly fee in a month the balance falls below $5,000"
      ],
      "eligibility": [
        "business: Available for business use"
      ],
      "record_stale": false,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/60f02256-3125-4a50-964f-bdb862efdd4e",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/auswide-bank-ltd/60f02256-3125-4a50-964f-bdb862efdd4e.json",
      "snapshot_at": "2026-11-12T02:32:00Z",
      "bank_last_updated": "2026-11-12T08:57:00.000+10:00",
      "ranked": true,
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      "row_count": 6,
      "terms_scan": {
        "scanned": "2026-11-01",
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          "https://auswidebank.com.au/reusable-documents/interest-rates/on-call-deposit-accounts-interest-rates/"
        ]
      }
    },
    {
      "product_id": "50c95686-e192-43d4-9fcb-a058c7b179d6",
      "product_name": "EVERYDAY BASIC ACCOUNT",
      "product_label": "Everyday Basic Account",
      "product_slug": "everyday-basic-account",
      "page": "/au/finance/savings-accounts/accounts/auswide-bank-ltd/everyday-basic-account/",
      "product_url": "https://auswidebank.com.au/banking/everyday-accounts/everyday-pension-account//",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "fees_url": "https://auswidebank.com.au/help/resources/fees-and-charges/",
      "eligibility_url": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A transaction account for Commonwealth of Australia concession card holders that pays interest",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
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          "base_pct": 0.98
        }
      },
      "rankings": [],
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        "bpay": true,
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        "round_up": false,
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        "other": [
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        ]
      },
      "feature_tags": [
        "card",
        "app",
        "PayID",
        "BPAY",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
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        "CURRENCY_CONVERSION_FEE"
      ],
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      "restrictions": [
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      ],
      "who_can_open": {
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        "groups": [
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            "level": "product",
            "quote": "EVERYDAY BASIC ACCOUNT",
            "source": "name"
          },
          {
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            "level": "product",
            "quote": "Available to anyone with a Commonwealth Seniors Health card, Pensioner Concession card or Health Care card, our Everyday Basic Account offers a competitive interest rate to keep your retirement savings or pension income working for you.",
            "source": "https://auswidebank.com.au/banking/everyday-accounts/everyday-pension-account/",
            "citation": {
              "quote": "Available to anyone with a Commonwealth Seniors Health card, Pensioner Concession card or Health Care card, our Everyday Basic Account offers a competitive interest rate to keep your retirement savings or pension income working for you.",
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      },
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      ],
      "eligibility": [
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        "Commonwealth of Australia concession card holders"
      ],
      "record_stale": true,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/50c95686-e192-43d4-9fcb-a058c7b179d6",
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      "terms_scan": {
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          "https://auswidebank.com.au/reusable-documents/interest-rates/on-call-deposit-accounts-interest-rates-0523/",
          "https://auswidebank.com.au/help/resources/terms-and-conditions/"
        ]
      }
    },
    {
      "product_id": "73a44d40-679a-44ec-aff1-67a5de45cf69",
      "product_name": "NATIONAL SENIORS AUSTRALIA MONEY MANAGER ACCOUNT",
      "product_label": "National Seniors Australia Money Manager Account",
      "product_slug": "national-seniors-australia-money-manager-account",
      "page": "/au/finance/savings-accounts/accounts/auswide-bank-ltd/national-seniors-australia-money-manager-account/",
      "product_url": "https://nationalseniors.com.au/moneymanager",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://nationalseniors.com.au/moneymanager",
      "fees_url": "https://nationalseniors.com.au/moneymanager",
      "eligibility_url": "https://nationalseniors.com.au/moneymanager",
      "account_type": "cash_management",
      "segments": [
        "personal",
        "smsf",
        "business"
      ],
      "segment": "personal",
      "description": "A on-call interest earning transaction account available to National Seniors Australia members.",
      "bonus_is_total": null,
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      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
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    }
  ],
  "licence_shared_with": [
    "MyState Bank"
  ],
  "guarantee": {
    "adi": "MyState Bank Limited",
    "abn": "89067729195",
    "shares_limit_with": [
      {
        "brand_slug": "mystate-bank",
        "brand_label": "MyState Bank"
      }
    ],
    "may_share_limit_with": [],
    "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking"
  }
}
