{
  "brand": "Bank of Sydney",
  "brand_label": "Bank of Sydney",
  "brand_slug": "bank-of-sydney",
  "legal_entity_abn": "44093488629",
  "public_base_uri": "https://openbank.api.banksyd.com.au",
  "logo_uri": "https://www.banksyd.com.au/globalassets/images/logos/bos-logo-edge-fix.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-16T04:08:05Z",
  "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":5.25,"base_rate_pct":5.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"BOS 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":["linked_account"],"record_stale":true},
      {"segment":"personal","kind":"intro","rate_pct":5.25,"base_rate_pct":5.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"BOS 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":["linked_account"],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":5.25,"base_rate_pct":5.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"BOS 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":["linked_account"],"record_stale":true},
      {"segment":"business","kind":"ongoing","rate_pct":4.25,"base_rate_pct":4.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver","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":true},
      {"segment":"business","kind":"intro","rate_pct":4.25,"base_rate_pct":4.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver","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":true},
      {"segment":"business","kind":"base","rate_pct":4.25,"base_rate_pct":4.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Saver","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":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "interest is paid only on the first $1,000,000"
      ],
      "k2": [
        "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ]
    },
    "unranked": {
      "products": 6,
      "transaction_account": 2,
      "foreign_currency": 2,
      "offset_account": 1,
      "detail_unavailable": 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": "bos_saver_account",
      "product_name": "BOS Saver",
      "product_label": "BOS Saver",
      "product_slug": "bos-saver",
      "page": "/au/finance/savings-accounts/accounts/bank-of-sydney/bos-saver/",
      "product_url": "https://www.banksyd.com.au/bos-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.banksyd.com.au/important-product-information",
      "fees_url": "https://www.banksyd.com.au/important-product-information",
      "eligibility_url": "https://www.banksyd.com.au/bos-saver",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Make savings simple with a BOS Saver Account. Earn interest on your balance without the complicated conditions or ongoing deposit requirements.",
      "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": 5.25,
          "intro_pct": null,
          "base_pct": 5.25
        },
        "50000": {
          "ongoing_pct": 5.25,
          "intro_pct": null,
          "base_pct": 5.25
        },
        "250000": {
          "ongoing_pct": 5.25,
          "intro_pct": null,
          "base_pct": 5.25
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 33,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 33,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 27,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 40,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 40,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 35,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 6,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 6,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 6,
          "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": true,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Linked to Everyday Saver Transaction so you can access your money at any time through Int…"
        ]
      },
      "feature_tags": [
        "app",
        "linked account required"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "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": [
        "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "interest is paid only on the first $1,000,000"
      ],
      "eligibility": [
        "residency: Australian Resident or Citizen"
      ],
      "record_stale": true,
      "source_url": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/bos_saver_account",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-of-sydney/bos_saver_account.json",
      "snapshot_at": "2026-10-22T13:24:15Z",
      "bank_last_updated": "2026-10-01T23:20:33Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.banksyd.com.au/bos-saver",
          "https://www.banksyd.com.au/interest-rates/transaction-savings",
          "https://www.banksyd.com.au/globalassets/documents/pdfs/pds/pds01-deposit-saving--transaction-accounts.pdf"
        ]
      }
    },
    {
      "product_id": "business_saver",
      "product_name": "Business Saver",
      "product_label": "Business Saver",
      "product_slug": "business-saver",
      "page": "/au/finance/savings-accounts/accounts/bank-of-sydney/business-saver/",
      "product_url": "https://www.banksyd.com.au/business-saver-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.banksyd.com.au/business-saver-account",
      "fees_url": "https://www.banksyd.com.au/business-saver-account",
      "eligibility_url": "https://www.banksyd.com.au/business-saver-account",
      "account_type": "savings",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Give your business savings a boost with a high-interest Savings Account for businesses looking to grow their savings whilst having flexible access to their funds.",
      "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": 1,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 1.75,
          "intro_pct": null,
          "base_pct": 1.75
        },
        "50000": {
          "ongoing_pct": 3.83,
          "intro_pct": null,
          "base_pct": 3.83
        },
        "250000": {
          "ongoing_pct": 4.25,
          "intro_pct": null,
          "base_pct": 4.25
        }
      },
      "rankings": [
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 22,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 12,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 12,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 10000,
          "rank": 22,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 50000,
          "rank": 13,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 250000,
          "rank": 14,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 10000,
          "rank": 19,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 50000,
          "rank": 10,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 250000,
          "rank": 10,
          "of": 42
        }
      ],
      "features": {
        "card_access": true,
        "card": "Visa Debit card",
        "digital_wallets": [
          "Apple Pay",
          "Google Pay",
          "Samsung Pay"
        ],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": true,
        "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": []
      },
      "feature_tags": [
        "card",
        "app",
        "BPAY",
        "wallets: Apple Pay, Google Pay, Samsung Pay"
      ],
      "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 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [
        "business: Business entities to supply business identification documents. Search fees may apply."
      ],
      "record_stale": true,
      "source_url": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/business_saver",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-of-sydney/business_saver.json",
      "snapshot_at": "2026-10-22T13:24:15Z",
      "bank_last_updated": "2026-10-01T23:20:21Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.banksyd.com.au/business-saver",
          "https://www.banksyd.com.au/globalassets/documents/pdfs/pds/pds01-deposit-saving--transaction-accounts.pdf"
        ]
      }
    },
    {
      "product_id": "business_advance",
      "product_name": "Business Advance Account",
      "product_label": "Business Advance Account",
      "product_slug": "business-advance-account",
      "page": "/au/finance/savings-accounts/accounts/bank-of-sydney/business-advance-account/",
      "product_url": "https://www.banksyd.com.au/business-advance-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.banksyd.com.au/important-product-information",
      "fees_url": "https://www.banksyd.com.au/important-product-information",
      "eligibility_url": "https://www.banksyd.com.au/business-advance-account",
      "account_type": "transaction",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Our Business Advance Account is for businesses with a high volume of transactions, allowing you to easily manage your daily business transactions.",
      "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": null,
        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Visa Debit Card",
        "digital_wallets": [
          "Apple Pay",
          "Google Pay",
          "Samsung Pay"
        ],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "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": [
        "card",
        "app",
        "unlimited transactions",
        "wallets: Apple Pay, Google Pay, Samsung Pay"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "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 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "All the signatories must be identified as per KYC requirements: Business Signatories"
      ],
      "eligibility": [
        "All the signatories must be identified as per KYC requirements: Business Signatories"
      ],
      "record_stale": true,
      "source_url": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/business_advance",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-of-sydney/business_advance.json",
      "snapshot_at": "2026-10-22T13:24:15Z",
      "bank_last_updated": "2026-10-01T23:20:57Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    },
    {
      "product_id": "eur_fccy_account",
      "product_name": "EUR Foreign Currency Account",
      "product_label": "EUR Foreign Currency Account",
      "product_slug": "eur-foreign-currency-account",
      "page": null,
      "product_url": "https://www.banksyd.com.au/foreign-currency-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.banksyd.com.au/important-product-information",
      "fees_url": "https://www.banksyd.com.au/important-product-information",
      "eligibility_url": "https://www.banksyd.com.au/foreign-currency-account",
      "account_type": "foreign_currency",
      "segments": [
        "other"
      ],
      "segment": "other",
      "description": "Simplify your overseas payments with a Foreign Currency Account in USD, Euro or GBP. Send and receive funds in the same currency, and avoid conversion fees and exchange rate fluctuations.",
      "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": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        }
      },
      "rankings": [],
      "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": [
          "Direct credit in the currency the account is in"
        ]
      },
      "feature_tags": [
        "app"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Cash Deposit and Withdrawal"
      ],
      "age_min": 18,
      "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"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/eur_fccy_account",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-of-sydney/eur_fccy_account.json",
      "snapshot_at": "2026-10-22T13:24:15Z",
      "bank_last_updated": "2026-10-16T04:08:05Z",
      "ranked": false,
      "unranked_reason": "foreign_currency",
      "row_count": 1
    },
    {
      "product_id": "everyday_account",
      "product_name": "Everyday Account",
      "product_label": "Everyday Account",
      "product_slug": "everyday-account",
      "page": "/au/finance/savings-accounts/accounts/bank-of-sydney/everyday-account/",
      "product_url": "https://www.banksyd.com.au/everyday-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.banksyd.com.au/everyday-account",
      "fees_url": "https://www.banksyd.com.au/everyday-account",
      "eligibility_url": "https://www.banksyd.com.au/everyday-account",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Make managing your money easy with our Everyday Account. Get access to a Visa Debit Card, unlimited transactions and no monthly account fees.",
      "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": null,
        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Visa Debit card",
        "digital_wallets": [
          "Apple Pay",
          "Google Pay",
          "Samsung Pay"
        ],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": true,
        "app": true,
        "notifications": false,
        "unlimited_transactions": true,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
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}