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Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":5.3,"base_rate_pct":0.05,"bonus_rate_pct":5.25,"intro_rate_pct":null,"intro_months":null,"product_label":"First Home Bonus Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":5.3,"base_rate_pct":0.05,"bonus_rate_pct":5.25,"intro_rate_pct":null,"intro_months":null,"product_label":"First Home Bonus Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":4.05,"base_rate_pct":4.05,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver Account","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":"business","kind":"ongoing","rate_pct":4.55,"base_rate_pct":4.55,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Preschool Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"quarterly","conditions":"k3","restrictions":["organisation_only"],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":4.55,"base_rate_pct":4.55,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Preschool Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"quarterly","conditions":"k3","restrictions":["organisation_only"],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":4.55,"base_rate_pct":4.55,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Preschool Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"quarterly","conditions":"k3","restrictions":["organisation_only"],"record_stale":true} ], "condition_sets": { "k1": [ "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", "Only one First Home Bonus Saver Account can be held", "Available to members only", "Only available to first home buyers who have never owned real estate (vacant land or a dwelling) in Australia", "bonus interest needs deposits totalling at least $100 and no withdrawals in each calendar month" ], "k2": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Available to members only", "open to people over 18 only" ], "k3": [ "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "open only to clubs, not-for-profits, schools or community organisations", "Minimum 2 signatories" ] }, "unranked": { "products": 3, "transaction_account": 1, "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. 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