{ "brand": "Bank of us", "brand_label": "Bank of us", "brand_slug": "bank-of-us", "legal_entity_abn": "32087652088", "public_base_uri": "https://api.bankofus.com.au/OpenBanking", "logo_uri": "https://api.bankofus.com.au/OpenBanking/Logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-01T21:04:35Z", "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":5.5,"base_rate_pct":0.0,"bonus_rate_pct":5.5,"intro_rate_pct":null,"intro_months":null,"product_label":"Spring Load","account_type":"savings","reference_balances":[50000,250000],"max_bonus_balance":null,"max_balance":1000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":5.5,"base_rate_pct":0.0,"bonus_rate_pct":5.5,"intro_rate_pct":null,"intro_months":null,"product_label":"Spring Load","account_type":"savings","reference_balances":[50000,250000],"max_bonus_balance":null,"max_balance":1000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":0.4,"base_rate_pct":0.4,"bonus_rate_pct":4.9,"intro_rate_pct":null,"intro_months":null,"product_label":"Save Up","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":"smsf","kind":"ongoing","rate_pct":1.75,"base_rate_pct":1.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Super Advantage","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":1.75,"base_rate_pct":1.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Super Advantage","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":1.75,"base_rate_pct":1.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Super Advantage","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":1.2,"base_rate_pct":1.2,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"BUSINESS iCASH","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":[],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":1.2,"base_rate_pct":1.2,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"BUSINESS iCASH","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":[],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":1.2,"base_rate_pct":1.2,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"BUSINESS iCASH","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "bonus conditions not stated in the feed", "the Spring Load rate runs only for a short period (up to about four months), after which the account becomes a Stash 'n' Splash account", "only for new money to Bank of us; deposits of $25,000 or more earn the top rate", "more than five withdrawals or transfers in a calendar month means no interest for that month" ], "k2": [ "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "bonus conditions not stated in the feed", "the bonus rate is paid only in a month when you deposit at least $50 in total and make no withdrawals or transfers" ], "k3": [ "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "To be eligible for this product the customer must have a registered Self Managed Super Fund", "only for people with a self-managed super fund (SMSF)", "$20 fee for any withdrawal or transfer made in store or through the contact centre" ], "k4": [ "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$20 fee for any withdrawal or transfer made in store or through the contact centre" ] }, "unranked": { "products": 6, "transaction_account": 5, "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": "BusinessiCash", "product_name": "BUSINESS iCASH", "product_label": "BUSINESS iCASH", "product_slug": "business-icash", "page": "/au/finance/savings-accounts/accounts/bank-of-us/business-icash/", "product_url": "https://bankofus.com.au/bank-accounts", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/Summary-of-Accounts-Availability-of-Access-Facilities-and-Transaction-Limits-15-July-2024.pdf", "fees_url": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf", "eligibility_url": "https://bankofus.com.au/source-assets/documents/compliance/Summary-of-Accounts-Availability-of-Access-Facilities-and-Transaction-Limits-15-July-2024.pdf", "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "Our small, small business loan is ideal for buying that new work vehicle or upgrading your tools. 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Temporary residents may be eligible if holders of an acceptable employer supported visa." ], "record_stale": true, "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/BusinessiCash", "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-of-us/BusinessiCash.json", "snapshot_at": "2026-11-05T03:30:38Z", "bank_last_updated": "2026-11-02T07:33:13.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 4, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://bankofus.com.au/icash", "https://bankofus.com.au/business-interest-rates", "https://bankofus.com.au/source-assets/documents/compliance/Summary-of-Accounts-Availability-of-Access-Facilities-and-Transaction-Limits-15-July-2024.pdf", "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf", "https://bankofus.com.au/news/savings-rate-update-2" ] } }, { "product_id": "Pension_Advantage", "product_name": "Pension Advantage", "product_label": "Pension Advantage", "product_slug": "pension-advantage", "page": "/au/finance/savings-accounts/accounts/bank-of-us/pension-advantage/", "product_url": "https://bankofus.com.au/bank-accounts", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/Summary-of-Accounts-Availability-of-Access-Facilities-and-Transaction-Limits-15-July-2024.pdf", "fees_url": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf", "eligibility_url": "https://bankofus.com.au/source-assets/documents/compliance/Summary-of-Accounts-Availability-of-Access-Facilities-and-Transaction-Limits-15-July-2024.pdf", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "If you receive a pension and need an everyday account, then the Pension Advantage delivers you the freedom to bank how and when you want and the ability to minimise or avoid transaction fees altogethe", "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": 1.8, "intro_pct": null, "base_pct": 1.8 }, "50000": { "ongoing_pct": 2.3, "intro_pct": null, "base_pct": 2.3 }, "250000": { "ongoing_pct": 2.3, "intro_pct": null, "base_pct": 2.3 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 10000, "rank": 72, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 61, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 69, "of": 91, "hidden_by_default": true } ], "features": { "card_access": true, "card": null, "digital_wallets": [ "Apple Pay, Google Pay" ], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": true, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "card", "app", "Osko", "PayID", "wallets: Apple Pay, Google Pay", "joint accounts" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "OVERSEAS_CARD_TRANSACTION_FEE", "OVERDRAWN_ACCOUNT_DEBIT_INTEREST", "OVERSEAS_CARD_TRANSACTION_FEE" ], "age_min": null, "age_max": null, "restrictions": [ "pensioner" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "pension", "who": "pension or allowance recipients", "level": "product", "quote": "Pension Advantage", "source": "name" } ], "open_note": null }, "conditions": [ "not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "open only to pension or allowance recipients", "pension recipients only: To be eligible for the Pension Advantage product you must receive an Aged, Australian War Veterans or Disability Pension from the Depa…" ], "eligibility": [ "pension recipients only: To be eligible for the Pension Advantage product you must receive an Aged, Australian War Veterans or Disability Pension from the Department of Social Security (Centrelink) or Department of Veteran Affairs and be a holder of a current Pensioner Concession Card or Repatriation Health Card. 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