{
  "brand": "Bank Australia",
  "brand_label": "Bank Australia",
  "brand_slug": "bank-australia",
  "legal_entity_abn": "21087651607",
  "public_base_uri": "https://public.cdr.bankaust.com.au",
  "logo_uri": "https://www.bankaust.com.au/globalassets/assets/imagery/logos/bank-australia/ba_horizontal_logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-27T04:29:33Z",
  "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":5.35,"base_rate_pct":0.1,"bonus_rate_pct":5.25,"intro_rate_pct":0.5,"intro_months":3,"product_label":"Bonus 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":[],"record_stale":true},
      {"segment":"personal","kind":"intro","rate_pct":5.85,"base_rate_pct":0.1,"bonus_rate_pct":5.25,"intro_rate_pct":0.5,"intro_months":3,"product_label":"Bonus 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":[],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":4.6,"base_rate_pct":4.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true},
      {"segment":"smsf","kind":"ongoing","rate_pct":1.95,"base_rate_pct":1.95,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Commercial Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true},
      {"segment":"smsf","kind":"intro","rate_pct":1.95,"base_rate_pct":1.95,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Commercial Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true},
      {"segment":"smsf","kind":"base","rate_pct":1.95,"base_rate_pct":1.95,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Commercial Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true},
      {"segment":"business","kind":"ongoing","rate_pct":1.95,"base_rate_pct":1.95,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Commercial Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true},
      {"segment":"business","kind":"intro","rate_pct":1.95,"base_rate_pct":1.95,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Commercial Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true},
      {"segment":"business","kind":"base","rate_pct":1.95,"base_rate_pct":1.95,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Commercial Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-10-16, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "deposit $100 or more each month",
        "no withdrawals in the month",
        "Personal, Joint and Trust"
      ],
      "k2": [
        "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Personal, Joint and Trust",
        "you must be 13 or older",
        "you must live in Australia as a permanent resident or with a relevant work visa"
      ],
      "k3": [
        "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "open to sole traders, partnerships, companies, self-managed super funds and associations, 18 or over",
        "also open to self-managed super funds (SMSFs): the bank's own words are \"Be a sole trader, in a partnership, a Pty Ltd or public company, a self-managed super fund, or an association.\""
      ]
    },
    "unranked": {
      "products": 6,
      "transaction_account": 4,
      "offset_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": [
    {
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      "product_name": "Bonus Saver",
      "product_label": "Bonus Saver",
      "product_slug": "bonus-saver",
      "page": "/au/finance/savings-accounts/accounts/bank-australia/bonus-saver/",
      "product_url": "https://www.bankaust.com.au/banking/savings-accounts/bonus-saver/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.bankaust.com.au/banking/savings-accounts/bonus-saver#tab-3",
      "fees_url": "https://cdn.bfldr.com/1R31Y8GR/as/ttcjnnjsvnsm9k5gx5qpmwbp/Fees_charges_and_transaction_limits",
      "eligibility_url": "https://www.bankaust.com.au/banking/savings-accounts/bonus-saver#tab-4",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A savings account which helps you reach your financial goals faster by rewarding you with bonus interest when you deposit at least $100 and make no withdrawals each month.",
      "bonus_is_total": false,
      "intro_is_total": false,
      "intro_is_bonus_rate": false,
      "intro_months": 3,
      "intro_conditions": [
        "Fixed bonus rate for the first three months when you open a new Bonus Saver account (on balances up to $100,000)"
      ],
      "bonus_conditions": [
        {
          "type": "min_monthly_deposit",
          "value": 100,
          "text": "Bonus interest when you deposit at least $100 each month."
        },
        {
          "type": "max_withdrawals",
          "value": 0,
          "text": "Bonus interest when you make no withdrawals in a calendar month"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": 0.01,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 5.35,
          "intro_pct": 5.85,
          "base_pct": 0.1
        },
        "50000": {
          "ongoing_pct": 5.35,
          "intro_pct": 5.85,
          "base_pct": 0.1
        },
        "250000": {
          "ongoing_pct": 5.0,
          "intro_pct": null,
          "base_pct": 0.1
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 25,
          "of": 79
        },
        {
          "segment": "personal",
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          "balance": 50000,
          "rank": 26,
          "of": 79
        },
        {
          "segment": "personal",
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          "balance": 250000,
          "rank": 37,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 9,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 9,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 41,
          "of": 79
        }
      ],
      "features": {
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        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": true,
        "app": true,
        "notifications": true,
        "unlimited_transactions": true,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": true,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Make a minimum deposit of $100 to the account and no withdrawals for the month to receive…"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "BPAY",
        "notifications",
        "unlimited transactions",
        "joint accounts"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "International transaction fee (ITF)",
        "Debit interest charge rate"
      ],
      "age_min": 0,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-16, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "deposit $100 or more each month",
        "no withdrawals in the month",
        "Personal, Joint and Trust"
      ],
      "eligibility": [
        "Personal, Joint and Trust",
        "residency: Must be an Australian citizen, permanent resident or have a valid Visa."
      ],
      "record_stale": true,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/49f8431a-85a3-4867-845f-dd620d13fd7b",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-australia/49f8431a-85a3-4867-845f-dd620d13fd7b.json",
      "snapshot_at": "2026-10-22T13:24:05Z",
      "bank_last_updated": "2026-10-16T03:50:19.452Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 3,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.bankaust.com.au/banking/savings-accounts/bonus-saver/",
          "https://cdn.bfldr.com/1R31Y8GR/as/5h2t4pnmjbqw555bjbxvx4r/Savings_and_Term_Deposit_Interest_Rate_schedule",
          "https://cdn.bfldr.com/1R31Y8GR/as/vsmgv498z99gxns64gk38sh/Summary_of_Accounts",
          "https://cdn.bfldr.com/1R31Y8GR/as/8v8bczj9b4b7bvjkws5h7bvp/TMD_Savings_Accounts"
        ]
      }
    },
    {
      "product_id": "a2b5b53d-d5a8-4ad0-bfbf-20e6dfeeb142",
      "product_name": "Christmas Saver",
      "product_label": "Christmas Saver",
      "product_slug": "christmas-saver",
      "page": "/au/finance/savings-accounts/accounts/bank-australia/christmas-saver/",
      "product_url": "https://www.bankaust.com.au/banking/savings-accounts/christmas-saver/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.bankaust.com.au/banking/savings-accounts/christmas-saver",
      "fees_url": "https://cdn.bfldr.com/1R31Y8GR/as/ttcjnnjsvnsm9k5gx5qpmwbp/Fees_charges_and_transaction_limits",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A savings account which allows unlimited withdrawals between 1 November - 31 January and pays interest on the money you deposit during the year.",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
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      "extra_bonuses": [],
      "max_bonus_balance": null,
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      "rates_at_reference_balances": {
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        },
        "50000": {
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        },
        "250000": {
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        }
      },
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      "features": {
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        "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": true,
        "joint": true,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Round Up: When you make a transaction with your Visa debit card, you can decide whether y…"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "notifications",
        "unlimited transactions",
        "round-ups",
        "joint accounts"
      ],
      "interest_paid": "annually",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "International transaction fee (ITF)",
        "Debit interest charge rate"
      ],
      "age_min": 13,
      "age_max": null,
      "restrictions": [
        "christmas_club",
        "existing_customers"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "existing_customers",
            "who": "no longer for sale: closed from 1 May 2026 and balances moved to Online Saver",
            "level": "product",
            "quote": "From 1 May 2026, Christmas Saver accounts are no longer available for sale for new or existing customers.",
            "source": "https://www.bankaust.com.au/product-service-disclosures/no-longer-for-sale",
            "citation": {
              "quote": "From 1 May 2026, Christmas Saver accounts are no longer available for sale for new or existing customers.",
              "url": "https://www.bankaust.com.au/product-service-disclosures/no-longer-for-sale#:~:text=From%201%20May%202026%2C%20Christmas,for%20new%20or%20existing%20customers.",
              "document_sha256": "6e2509b866be523bf19e0cac08f3d6898bb48ebbcd13770ed22447cafd3d7b4f",
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            }
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        "Personal, Joint and Trust",
        "no longer for sale: closed from 1 May 2026 and balances moved to Online Saver"
      ],
      "eligibility": [
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        "residency: Must be an Australian citizen, permanent resident or have a valid Visa.",
        "Funds locked betweeen 1 February and 31 October each year. Interest calculated daily on whole of balance and credited on 30 November: Account Locked"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a2b5b53d-d5a8-4ad0-bfbf-20e6dfeeb142",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-australia/a2b5b53d-d5a8-4ad0-bfbf-20e6dfeeb142.json",
      "snapshot_at": "2026-10-22T13:24:05Z",
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      "ranked": true,
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      "terms_scan": {
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          "https://www.bankaust.com.au/product-service-disclosures/no-longer-for-sale",
          "https://cdn.bfldr.com/1R31Y8GR/as/5h2t4pnmjbqw555bjbxvx4r/Savings_and_Term_Deposit_Interest_Rate_schedule",
          "https://cdn.bfldr.com/1R31Y8GR/as/vsmgv498z99gxns64gk38sh/Summary_of_Accounts"
        ]
      }
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      "page": "/au/finance/savings-accounts/accounts/bank-australia/commercial-saver/",
      "product_url": "https://www.bankaust.com.au/business/commercial-saver/",
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      "eligibility_url": "https://www.bankaust.com.au/business/commercial-saver/",
      "account_type": "savings",
      "segments": [
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      ],
      "segment": "business",
      "description": "A savings account designed with the aim of helping a business or community organisation reach their savings goals faster.",
      "bonus_is_total": null,
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        "other": [
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        ]
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}
