{ "brand": "bankWAW", "brand_label": "BankWAW", "brand_slug": "bankwaw", "legal_entity_abn": "48087651787", "public_base_uri": "https://onlinebanking.wawcu.com.au/OpenBanking", "logo_uri": "https://onlinebanking.wawcu.com.au/OpenBanking/logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-02T22:31:56Z", "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":5.2,"base_rate_pct":0.05,"bonus_rate_pct":5.15,"intro_rate_pct":null,"intro_months":null,"product_label":"WAW 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":[],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":5.2,"base_rate_pct":0.05,"bonus_rate_pct":5.15,"intro_rate_pct":null,"intro_months":null,"product_label":"WAW 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":[],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":2.9,"base_rate_pct":2.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"WAW Christmas Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k2","restrictions":["christmas_club"],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":2.65,"base_rate_pct":2.65,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"WAW 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":[],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":2.65,"base_rate_pct":2.65,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"WAW 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":[],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":2.65,"base_rate_pct":2.65,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"WAW 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":[],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":2.65,"base_rate_pct":2.65,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"WAW Business Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":2.65,"base_rate_pct":2.65,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"WAW Business Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":2.65,"base_rate_pct":2.65,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"WAW Business Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-10-31, 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 needs a deposit of at least $250 in the month and no withdrawals in that month" ], "k2": [ "not updated by the bank since 2026-11-03, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a Christmas club account: withdrawals are restricted for most of the year", "interest is calculated daily and paid once a year, on the last day of October", "funds can be withdrawn only between 1 November and 15 January" ], "k3": [ "not updated by the bank since 2026-06-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "k4": [ "not updated by the bank since 2026-06-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "you must hold a BankWAW Business Transact account to open it", "open to registered businesses and sole traders with an ABN" ] }, "unranked": { "products": 11, "transaction_account": 8, "other_product": 2, "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": "S9_Inactive", "product_name": "Money Managers", "product_label": "Money Managers", "product_slug": "money-managers", "page": "/au/finance/savings-accounts/accounts/bankwaw/money-managers/", "product_url": "https://www.wawcu.com.au/Save/For-Your-Business/SMSF-Saver", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.bankwaw.com.au/Support/Disclosure-Documents", "fees_url": "https://www.wawcu.com.au/Save/For-Your-Business/SMSF-Saver", "eligibility_url": "https://www.wawcu.com.au/Save/For-Your-Business/SMSF-Saver", "account_type": "cash_management", "segments": [ "personal" ], "segment": "personal", "description": "Money Managers", "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": 1.55, "intro_pct": null, "base_pct": 1.55 }, "50000": { "ongoing_pct": 2.0, "intro_pct": null, "base_pct": 2.0 }, "250000": { "ongoing_pct": 2.25, "intro_pct": null, "base_pct": 2.25 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "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": [ "app", "Osko", "PayID", "BPAY" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "FOREIGN_CASH", "LARGE_CASH_WITHDRAWAL" ], "age_min": null, "age_max": null, "restrictions": [ "existing_customers" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "existing_customers", "who": "closed to new customers: the bank lists it as a discontinued product that is no longer offered for sale", "level": "product", "quote": "Discontinued Products", "source": "https://www.bankwaw.com.au/Links/Interest-Rates", "citation": { "quote": "Discontinued Products", "url": "https://www.bankwaw.com.au/Links/Interest-Rates#:~:text=Discontinued%20Products", "document_sha256": "455316a05d0b8c77b8ff285626d24fc43f1bc26be1218c6202d0a218812fd0e8", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "not updated by the bank since 2026-06-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "closed to new customers: the bank lists it as a discontinued product that is no longer offered for sale" ], "eligibility": [], "record_stale": true, "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/S9_Inactive", "source_snapshot": "/au/finance/savings-accounts/v1/source/bankwaw/S9_Inactive.json", "snapshot_at": "2026-11-12T02:32:19Z", "bank_last_updated": "2026-06-01T07:34:57.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 4, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.bankwaw.com.au/Links/Interest-Rates", "https://www.bankwaw.com.au/Support/Disclosure-Documents/discontinued-accounts", "https://www.bankwaw.com.au/Support/Disclosure-Documents/products-and-services-terms-and-conditions", "https://www.bankwaw.com.au/Support/Disclosure-Documents/fees-charges-savings-transaction" ] } }, { "product_id": "WAW_Star_Saver", "product_name": "Star Saver", "product_label": "Star Saver", "product_slug": "star-saver", "page": "/au/finance/savings-accounts/accounts/bankwaw/star-saver/", "product_url": "https://www.bankwaw.com.au/Save/For-Your-Kids/Star-Saver", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.bankwaw.com.au/Support/Disclosure-Documents", "fees_url": "https://www.bankwaw.com.au/Save/For-Your-Kids/Star-Saver", "eligibility_url": "https://www.bankwaw.com.au/Save/For-Your-Kids/Star-Saver", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Star Saver", "bonus_is_total": false, "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": 5.1, "intro_pct": null, "base_pct": 0.75 }, "50000": { "ongoing_pct": 5.1, "intro_pct": null, "base_pct": 0.75 }, "250000": { "ongoing_pct": 5.1, "intro_pct": null, "base_pct": 0.75 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "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": [ "app", "Osko", "PayID", "BPAY" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "LARGE_CASH_WITHDRAWAL", "INTERNATIONAL_FEE", "LARGE_CASH_WITHDRAWAL" ], "age_min": 1, "age_max": 12, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 12 and under", "level": "product", "quote": "MAX_AGE 12", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "open to children aged 0 to 12; an adult is generally a signatory", "level": "product", "quote": "This account is available to children aged 0 - 12.", "source": "https://www.bankwaw.com.au/Save/For-Your-Kids/Star-Saver", "citation": { "quote": "This account is available to children aged 0 - 12.", "url": "https://www.bankwaw.com.au/Save/For-Your-Kids/Star-Saver#:~:text=This%20account%20is%20available%20to%20children%20aged%200%20%2D%2012.", "document_sha256": "60a7ffc36d5aa7ae1df977b547b5d4933da0c68f54d74f8771b600209ecad145", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-31, 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", "ages 1 to 12", "age 12 and under: 0-12", "the bonus needs a deposit of at least $20 in the month and no withdrawals in that month", "open to children aged 0 to 12; an adult is generally a signatory" ], "eligibility": [ "age 12 and under: 0-12" ], "record_stale": true, "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/WAW_Star_Saver", "source_snapshot": "/au/finance/savings-accounts/v1/source/bankwaw/WAW_Star_Saver.json", "snapshot_at": "2026-11-12T02:32:19Z", "bank_last_updated": "2026-10-31T00:16:27.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.bankwaw.com.au/Save/For-Your-Kids/Star-Saver", "https://www.bankwaw.com.au/Links/Interest-Rates", "https://www.bankwaw.com.au/Support/Disclosure-Documents/savings-transactions-tmds", "https://www.bankwaw.com.au/Portals/0/Support/Disclosure-Documents/Savings%20Transactions%20TMDs/BankWAW%20TMD%20S54%20-%20Star%20Saver.pdf", "https://www.bankwaw.com.au/Support/Disclosure-Documents/fees-charges-savings-transaction" ] } }, { "product_id": "WAW_Bonus_Saver", "product_name": "WAW Bonus Saver", "product_label": "WAW Bonus Saver", "product_slug": "waw-bonus-saver", "page": "/au/finance/savings-accounts/accounts/bankwaw/waw-bonus-saver/", "product_url": "https://www.wawcu.com.au/Save/For-You/Bonus-Saver", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.bankwaw.com.au/Support/Disclosure-Documents", "fees_url": "https://www.wawcu.com.au/Save/For-You/Bonus-Saver", "eligibility_url": "https://www.wawcu.com.au/Save/For-You/Bonus-Saver", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "WAW Bonus Saver", "bonus_is_total": false, "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": 5.2, "intro_pct": null, "base_pct": 0.05 }, "50000": { "ongoing_pct": 5.2, "intro_pct": null, "base_pct": 0.05 }, "250000": { "ongoing_pct": 5.2, "intro_pct": null, "base_pct": 0.05 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 39, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 39, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 33, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 42, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 42, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 37, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "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": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "Osko", "PayID" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "FOREIGN_CASH", "LARGE_CASH_WITHDRAWAL" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-31, 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 needs a deposit of at least $250 in the month and no withdrawals in that month" ], "eligibility": [], "record_stale": true, "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/WAW_Bonus_Saver", "source_snapshot": "/au/finance/savings-accounts/v1/source/bankwaw/WAW_Bonus_Saver.json", "snapshot_at": "2026-11-12T02:32:19Z", "bank_last_updated": "2026-10-31T00:16:00.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.bankwaw.com.au/Save/For-You/Bonus-Saver", "https://www.bankwaw.com.au/Links/Interest-Rates", "https://www.bankwaw.com.au/Support/Disclosure-Documents/savings-transactions-tmds", 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false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-06-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "you must hold a BankWAW Business Transact account to open it", "open to registered businesses and sole traders with an ABN" ], "eligibility": [], "record_stale": true, "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/WAW_Business_Saver", "source_snapshot": "/au/finance/savings-accounts/v1/source/bankwaw/WAW_Business_Saver.json", "snapshot_at": "2026-11-12T02:32:19Z", "bank_last_updated": "2026-06-01T07:48:50.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.bankwaw.com.au/Save/For-Your-Business/Business-Saver", "https://www.bankwaw.com.au/Links/Interest-Rates", "https://www.bankwaw.com.au/Support/Disclosure-Documents/savings-transactions-tmds", 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