{ "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "legal_entity_abn": "33007457141", "public_base_uri": "https://digital-api.bankofmelbourne.com.au", "logo_uri": "https://www.bankofmelbourne.com.au/content/dam/bom/images/home/BOM-logo_1200x1200.jpg", "status": "ok", "stale": false, "bank_last_updated": "2026-11-13T23:02:39Z", "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":5.65,"base_rate_pct":0.01,"bonus_rate_pct":5.64,"intro_rate_pct":null,"intro_months":null,"product_label":"Incentive Saver","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":false}, {"segment":"personal","kind":"intro","rate_pct":5.85,"base_rate_pct":1.25,"bonus_rate_pct":null,"intro_rate_pct":4.6,"intro_months":3,"product_label":"Maxi 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":["linked_account"],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":1.25,"base_rate_pct":1.25,"bonus_rate_pct":null,"intro_rate_pct":4.6,"intro_months":3,"product_label":"Maxi 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":["linked_account"],"record_stale":false}, {"segment":"smsf","kind":"ongoing","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Access 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":["linked_account"],"record_stale":false}, {"segment":"smsf","kind":"intro","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Access 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":["linked_account"],"record_stale":false}, {"segment":"smsf","kind":"base","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Access 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":["linked_account"],"record_stale":false}, {"segment":"business","kind":"ongoing","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Access 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":["linked_account"],"record_stale":false}, {"segment":"business","kind":"intro","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Access 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":["linked_account"],"record_stale":false}, {"segment":"business","kind":"base","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Access 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":["linked_account"],"record_stale":false} ], "condition_sets": { "k1": [ "any deposit each month", "grow the balance by $50 or more each month", "An account may be opened in a child's name when the child is under 14, with a parent, guardian, or grandparent as authorised signatory.", "customers 21 and over get the bonus only in months the balance grows by at least $50 and never goes below zero", "customers under 21 get the bonus when the balance grows by at least $0.01 in the month and never goes below zero", "interest paid by the bank does not count as growth" ], "k2": [ "An account may be opened in a child's name when the child is under 14, with a parent, guardian, or grandparent as authorised signatory.", "To hold a Maxi Saver account, you must also hold an eligible Bank of Melbourne transaction account in the same name and be registered for Internet and Phone Ba…" ], "k3": [ "Must not be an individual using the account for predominantly personal purposes", "Eligible entities include sole traders, partnerships, companies, associations, self-managed super funds, trusts and not-for-profit organisations", "Needs an eligible Bank of Melbourne business transaction account to link to", "you need a Bank of Melbourne business transaction account (Freedom Business); one is opened with the savings account if you have none", "the applicant and every signatory must be 18 or over" ] }, "unranked": { "products": 8, "transaction_account": 5, "farm_management_deposit": 1, "foreign_currency": 1, "other_product": 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": "BOMSavBusBusinessAccessSaver", "product_name": "Business Access Saver", "product_label": "Business Access Saver", "product_slug": "business-access-saver", "page": "/au/finance/savings-accounts/accounts/bank-of-melbourne/business-access-saver/", "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/business-access-saver", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/business/bank-accounts/business_accounts_terms.pdf", "fees_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/business/bank-accounts/business_accounts_terms.pdf", "eligibility_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/business-access-saver", "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "description": "A business savings account that allows you to set money aside for payments such as GST and other taxes.", "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": 0.65, "intro_pct": null, "base_pct": 0.65 }, "50000": { "ongoing_pct": 0.95, "intro_pct": null, "base_pct": 0.95 }, "250000": { "ongoing_pct": 1.5, "intro_pct": null, "base_pct": 1.5 } }, "rankings": [ { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 28, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 29, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 30, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 29, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 30, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 30, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 24, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 25, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 24, "of": 35 }, { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 33, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 35, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 32, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 34, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 36, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 32, "of": 42 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 31, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 33, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 29, "of": 42 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": true, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "No account-keeping and transfer fees: For no monthly fee, make unlimited electronic trans…", "Earn interest on your savings. Your savings will attract a variable interest rate, earned…", "Regularly deposit funds to grow savings balance.", "No minimum deposits or balances: Build your savings balance at your own pace, with no pre…", "No lock-in contract with a fixed term: Enjoy the flexibility of accessing your savings wh…", "Make tax time easier by separating personal and business transactions" ] }, "feature_tags": [ "app", "PayTo", "linked account required" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 18, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "Must not be an individual using the account for predominantly personal purposes", "Eligible entities include sole traders, partnerships, companies, associations, self-managed super funds, trusts and not-for-profit organisations", "Needs an eligible Bank of Melbourne business transaction account to link to", "you need a Bank of Melbourne business transaction account (Freedom Business); one is opened with the savings account if you have none", "the applicant and every signatory must be 18 or over" ], "eligibility": [ "residency: Operating in Australia with an Australian address.", "Must not be an individual using the account for predominantly personal purposes", "Eligible entities include sole traders, partnerships, companies, associations, self-managed super funds, trusts and not-for-profit organisations", "Needs an eligible Bank of Melbourne business transaction account to link to" ], "record_stale": false, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMSavBusBusinessAccessSaver", "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-of-melbourne/BOMSavBusBusinessAccessSaver.json", "snapshot_at": "2026-11-13T01:40:56Z", "bank_last_updated": "2026-11-13T01:03:04Z", "ranked": true, "unranked_reason": null, "row_count": 4, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.bankofmelbourne.com.au/business/bank-accounts/business-access-saver", "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/business/bank-accounts/business_accounts_terms.pdf" ] } }, { "product_id": "BOMSavIncentiveSaver", "product_name": "Incentive Saver", "product_label": "Incentive Saver", "product_slug": "incentive-saver", "page": "/au/finance/savings-accounts/accounts/bank-of-melbourne/incentive-saver/", "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/savings-accounts/incentive-saver", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf", "fees_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf", "eligibility_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/savings-accounts/incentive-saver#pricing", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "An account that rewards you with bonus interest for regular saving to help you save faster.", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "min_monthly_deposit", "value": 0.01, "text": "To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0." }, { "type": "balance_grows", "value": 50, "text": "To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0." } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.65, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 5.65, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 5.65, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 7, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 6, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 5, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "The BeMoved Promotion Terms and Conditions. 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check its page, as the rate may have changed", "Customer must be operating using an Australian address.", "Sole trader, partnership, company, association, self-managed super fund, trust, or not-for-profit organisation." ], "record_stale": true, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTrBusFreedomBusinessAccount", "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-of-melbourne/BOMTrBusFreedomBusinessAccount.json", "bank_last_updated": "2026-10-29T01:03:03Z", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "legal_entity_abn": "33007457141", "product_id": "BOMTrBusSocietyChequeAccount", "product_name": "Society Cheque Account", "product_label": "Society Cheque Account", "product_slug": "society-cheque-account", "page": "/au/finance/savings-accounts/accounts/bank-of-melbourne/society-cheque-account/", "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/society-cheque-account", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/business/bank-accounts/business_accounts_terms.pdf", "account_type": "transaction", "segments": [ "personal", "business" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "age_min": 18, "age_max": null, "restrictions": [ "organisation_only" ], "conditions": [ "not updated by the bank since 2026-10-23, before the Reserve Bank's cash rate rise of 4 November 2026; 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