{ "brand": "BankVic", "brand_label": "BankVic", "brand_slug": "bankvic", "legal_entity_abn": "33087651661", "public_base_uri": "https://ib.bankvic.com.au/openbanking", "logo_uri": "https://ib.bankvic.com.au/bvib/App_Themes/BankVicResponsive/images/BankVic-logo.svg", "status": "ok", "stale": false, "bank_last_updated": "2026-10-09T04:46:55Z", "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":0.05,"bonus_rate_pct":5.3,"intro_rate_pct":null,"intro_months":null,"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":["occupation_membership"],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":5.35,"base_rate_pct":0.05,"bonus_rate_pct":5.3,"intro_rate_pct":null,"intro_months":null,"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":["occupation_membership"],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":4.95,"base_rate_pct":4.95,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Little Copper Club","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"half_yearly","conditions":"k2","restrictions":["age_limited","occupation_membership"],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":4.9,"base_rate_pct":4.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["occupation_membership"],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":4.9,"base_rate_pct":4.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["occupation_membership"],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":4.9,"base_rate_pct":4.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["occupation_membership"],"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", "deposit $100 or more each month", "no withdrawals in the month", "Member of BankVic", "members only: police, emergency services, health or government workers and their families (each SMSF trustee must be a member)", "individuals may join if an australian citizen or resident (not citizens only)", "bonus rate is paid on balances up to $5,000,000 only; above that the bonus rate is 0.01%" ], "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", "age 18 and under", "Member of BankVic", "members only: police, emergency services, health or government workers and their families (each SMSF trustee must be a member)", "account holders must be under 18 years of age", "interest is credited twice a year, on 30 June and 31 December, not monthly", "individuals may join if an australian citizen or resident (not citizens only)" ], "k3": [ "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", "You will need to have a Self-Managed Super Fund (SMSF) before you can open an SMSF Saver account.", "Member of BankVIC", "members only: police, emergency services, health or government workers and their families (each SMSF trustee must be a member)" ] }, "unranked": { "products": 1, "transaction_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": "S8_Savings_Bonus", "product_name": "Bonus Saver", "product_label": "Bonus Saver", "product_slug": "bonus-saver", "page": "/au/finance/savings-accounts/accounts/bankvic/bonus-saver/", "product_url": "https://www.bankvic.com.au/savings/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "fees_url": "https://www.bankvic.com.au/savings/?filter=Savings", "eligibility_url": "https://www.bankvic.com.au/savings/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Reach your savings goals faster by earning bonus interest", "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": 100, "text": "Deposit $100" }, { "type": "max_withdrawals", "value": 0, "text": "no withdrawals" } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.35, "intro_pct": null, "base_pct": 0.05 }, "50000": { "ongoing_pct": 5.35, "intro_pct": null, "base_pct": 0.05 }, "250000": { "ongoing_pct": 5.35, "intro_pct": null, "base_pct": 0.05 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 41, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 38, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 31, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 48, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 45, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 39, "of": 91, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "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": [ "app", "Osko", "PayID", "BPAY", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "members only: police, emergency services, health or government workers and their families (each SMSF trustee must be a member)", "level": "bank", "quote": "BankVic’s services are extended to members of the police, health, emergency and public service sectors.", "source": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "citation": { "quote": "BankVic’s services are extended to members of the police, health, emergency and public service sectors.", "url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions#page=7", "page": 7, "document_sha256": "5940c64a1aa36fb9edf3c9e16c3837cc75ac8f8b86f6584690b2845ac5299f2e", "confirmed": "2026-11-13" } } ], "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", "deposit $100 or more each month", "no withdrawals in the month", "Member of BankVic", "members only: police, emergency services, health or government workers and their families (each SMSF trustee must be a member)", "individuals may join if an australian citizen or resident (not citizens only)", "bonus rate is paid on balances up to $5,000,000 only; above that the bonus rate is 0.01%" ], "eligibility": [ "Member of BankVic", "residency: Australian citizen" ], "record_stale": true, "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S8_Savings_Bonus", "source_snapshot": "/au/finance/savings-accounts/v1/source/bankvic/S8_Savings_Bonus.json", "snapshot_at": "2026-10-22T13:24:20Z", "bank_last_updated": "2026-10-01T08:59:05.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.bankvic.com.au/savings/", "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges" ] } }, { "product_id": "S7_Savings_Online", "product_name": "EasyInvest", "product_label": "EasyInvest", "product_slug": "easyinvest", "page": "/au/finance/savings-accounts/accounts/bankvic/easyinvest/", "product_url": "https://www.bankvic.com.au/savings/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "fees_url": "https://www.bankvic.com.au/savings/?filter=Savings", "eligibility_url": "https://www.bankvic.com.au/savings/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "An online savings account with access to your money when you need it", "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": 3.15, "intro_pct": null, "base_pct": 3.15 }, "50000": { "ongoing_pct": 3.15, "intro_pct": null, "base_pct": 3.15 }, "250000": { "ongoing_pct": 3.15, "intro_pct": null, "base_pct": 3.15 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "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": [ "online access only" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "members only: police, emergency services, health or government workers and their families (each SMSF trustee must be a member)", "level": "bank", "quote": "BankVic’s services are extended to members of the police, health, emergency and public service sectors.", "source": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "citation": { "quote": "BankVic’s services are extended to members of the police, health, emergency and public service sectors.", "url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions#page=7", "page": 7, "document_sha256": "5940c64a1aa36fb9edf3c9e16c3837cc75ac8f8b86f6584690b2845ac5299f2e", "confirmed": "2026-11-13" } } ], "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", "Member of BankVic", "members only: police, emergency services, health or government workers and their families (each SMSF trustee must be a member)", "individuals may join if an australian citizen or resident (not citizens only)" ], "eligibility": [ "Member of BankVic", "residency: Australian citizen" ], "record_stale": true, "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S7_Savings_Online", "source_snapshot": "/au/finance/savings-accounts/v1/source/bankvic/S7_Savings_Online.json", "snapshot_at": "2026-10-22T13:24:20Z", "bank_last_updated": "2026-10-01T08:55:47.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.bankvic.com.au/savings/", "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges" ] } }, { "product_id": "S3_Savings_Little_Copper_Club", "product_name": "Little Copper Club", "product_label": "Little Copper Club", "product_slug": "little-copper-club", "page": "/au/finance/savings-accounts/accounts/bankvic/little-copper-club/", "product_url": "https://www.bankvic.com.au/savings/", "rate_correction": null, "interest_paid_correction": { "quote": "Interest Paid on 30 June & 31 December", "url": "https://www.bankvic.com.au/savings/", "checked": "2026-11-01", "citation": { "quote": "Interest Paid on 30 June & 31 December", "url": "https://www.bankvic.com.au/savings/#:~:text=Interest%20Paid%20on%2030%20June%20%26%2031%20December", "document_sha256": "9bf67446778afa3109d7f63e7b086313d1b787782c08fc30cceb7ce149019bb7", "confirmed": "2026-11-13" } }, "min_balance_correction": null, "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "fees_url": "https://www.bankvic.com.au/savings/?filter=Savings", "eligibility_url": "https://www.bankvic.com.au/savings/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Under 18's account with special awards to develop good savings habits", "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": 4.95, "intro_pct": null, "base_pct": 4.95 }, "50000": { "ongoing_pct": 4.95, "intro_pct": null, "base_pct": 4.95 }, "250000": { "ongoing_pct": 4.95, "intro_pct": null, "base_pct": 4.95 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 10000, "rank": 22, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 18, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 18, "of": 91, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "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": [ "app", "Osko", "PayID", "BPAY", "unlimited transactions" ], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": 18, "restrictions": [ "age_limited", "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "members only: police, emergency services, health or government workers and their families (each SMSF trustee must be a member)", "level": "bank", "quote": "BankVic’s services are extended to members of the police, health, emergency and public service sectors.", "source": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "citation": { "quote": "BankVic’s services are extended to members of the police, health, emergency and public service sectors.", "url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions#page=7", "page": 7, "document_sha256": "5940c64a1aa36fb9edf3c9e16c3837cc75ac8f8b86f6584690b2845ac5299f2e", "confirmed": "2026-11-13" } }, { "kind": "age", "who": "age 18 and under", "level": "product", "quote": "MAX_AGE 18", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "account holders must be under 18 years of age", "level": "product", "quote": "Members must be under 18 years of age", "source": "https://www.bankvic.com.au/savings/", "citation": { "quote": "Members must be under 18 years of age", "url": "https://www.bankvic.com.au/savings/#:~:text=Members%20must%20be%20under%2018%20years%20of%20age", "document_sha256": "9bf67446778afa3109d7f63e7b086313d1b787782c08fc30cceb7ce149019bb7", "confirmed": "2026-11-13" } } ], "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", "age 18 and under", "Member of BankVic", "members only: police, emergency services, health or government workers and their families (each SMSF trustee must be a member)", "account holders must be under 18 years of age", "interest is credited twice a year, on 30 June and 31 December, not monthly", "individuals may join if an australian citizen or resident (not citizens only)" ], "eligibility": [ "age 18 and under: Little Coppers have only one eligibility criteria and that is they must be under 18 years of age.", "Member of BankVic", "residency: Australian citizen" ], "record_stale": true, "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/S3_Savings_Little_Copper_Club", "source_snapshot": "/au/finance/savings-accounts/v1/source/bankvic/S3_Savings_Little_Copper_Club.json", "snapshot_at": "2026-10-22T13:24:20Z", "bank_last_updated": "2026-10-01T09:06:06.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.bankvic.com.au/savings/", "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges" ] } }, { "product_id": "S10_Savings_Pension", "product_name": "Pension Plus", "product_label": "Pension Plus", "product_slug": "pension-plus", "page": "/au/finance/savings-accounts/accounts/bankvic/pension-plus/", "product_url": "https://www.bankvic.com.au/savings?filter=Regular-Savings&product=Pension-Plus", "rate_correction": null, "interest_paid_correction": { "quote": "Interest Paid on 30 June & 31 December", "url": "https://www.bankvic.com.au/savings/", "checked": "2026-11-01", "citation": { "quote": "Interest Paid on 30 June & 31 December", "url": "https://www.bankvic.com.au/savings/#:~:text=Interest%20Paid%20on%2030%20June%20%26%2031%20December", "document_sha256": "9bf67446778afa3109d7f63e7b086313d1b787782c08fc30cceb7ce149019bb7", "confirmed": "2026-11-13" } }, "min_balance_correction": null, "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "fees_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges", "eligibility_url": "https://www.bankvic.com.au/savings?filter=Regular-Savings&product=Pension-Plus", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "An everyday savings account tailored for retirees", "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": 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