{ "brand": "BCU Bank", "brand_label": "BCU Bank", "brand_slug": "bcu-bank", "legal_entity_abn": "69087651876", "public_base_uri": "https://public.cdr-api.bcu.com.au", "logo_uri": "https://digital.bcu.com.au/globalassets/internet-banking/onboarding/logo-small.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-13T00:00:41Z", "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":0.2,"bonus_rate_pct":5.3,"intro_rate_pct":null,"intro_months":null,"product_label":"Boss Saver","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":100000,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}, {"segment":"personal","kind":"intro","rate_pct":5.6,"base_rate_pct":0.05,"bonus_rate_pct":null,"intro_rate_pct":5.55,"intro_months":4,"product_label":"Bonus Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":0.2,"base_rate_pct":0.2,"bonus_rate_pct":5.3,"intro_rate_pct":null,"intro_months":null,"product_label":"Boss Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":100000,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}, {"segment":"smsf","kind":"ongoing","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business iSaver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business iSaver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business iSaver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business iSaver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business iSaver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business iSaver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "deposit $500 or more each month", "5 or more card purchases a month", "Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate.", "linked transaction account required", "You must be or become a BCU Bank member" ], "k2": [ "not updated by the bank since 2026-10-20, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Members may hold a maximum of one Bonus Saver account as a single account and one as a joint account. You may open a Bonus Saver account 12 months from the dat…", "You must be or become a BCU Bank member" ], "k3": [ "not updated by the bank since 2026-11-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "You must be or become a BCU Bank member", "online banking access only; no debit card, cheque book, Bank@Post, direct debits or BPAY", "also open to self-managed super funds (SMSFs): the bank's own words are \"You'll need to: have a valid ABN, be a sole trader, partnership, company, association, SMSF, trust, or not-for-profit, be operating in Australia with an Australian address\"" ] }, "unranked": { "products": 5, "transaction_account": 4, "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": "278", "product_name": "Bonus Saver", "product_label": "Bonus Saver", "product_slug": "bonus-saver", "page": "/au/finance/savings-accounts/accounts/bcu-bank/bonus-saver/", "product_url": "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/savings-accounts--access-channels/", "fees_url": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Give your savings a lift and earn bonus interest for the first four months.", "bonus_is_total": null, "intro_is_total": false, "intro_is_bonus_rate": false, "intro_months": 4, "intro_conditions": [ "Interest rate applies for the first four months on daily closing balances from account opening date." ], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.05, "intro_pct": 5.6, "base_pct": 0.05 }, "50000": { "ongoing_pct": 0.05, "intro_pct": 5.6, "base_pct": 0.05 }, "250000": { "ongoing_pct": 0.05, "intro_pct": 5.6, "base_pct": 0.05 } }, "rankings": [ { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 23, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 22, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 19, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": true, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…" ] }, "feature_tags": [ "app", "Osko", "PayID", "unlimited transactions", "joint accounts" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 12, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-20, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Members may hold a maximum of one Bonus Saver account as a single account and one as a joint account. You may open a Bonus Saver account 12 months from the dat…", "You must be or become a BCU Bank member" ], "eligibility": [ "Members may hold a maximum of one Bonus Saver account as a single account and one as a joint account. You may open a Bonus Saver account 12 months from the date of closing any previously owned Bonus Saver account as a single or joint account.", "You must be or become a BCU Bank member", "residency: You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies." ], "record_stale": true, "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/278", "source_snapshot": "/au/finance/savings-accounts/v1/source/bcu-bank/278.json", "snapshot_at": "2026-10-22T13:24:26Z", "bank_last_updated": "2026-10-20T00:00:41.2487039Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/", "https://www.bcu.com.au/important-information/terms-and-conditions/savings-accounts--access-channels/" ] } }, { "product_id": "281", "product_name": "Boss Saver", "product_label": "Boss Saver", "product_slug": "boss-saver", "page": "/au/finance/savings-accounts/accounts/bcu-bank/boss-saver/", "product_url": "https://www.bcu.com.au/everyday-banking/savings-accounts/boss-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/savings-accounts--access-channels/", "fees_url": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Want a savings account to deposit and hold or withdraw money for personal use without being penalised? A savings account that earns you additional bonus interest when the monthly bonus interest criteria is met each month.", "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": 500, "text": "Rate is applied when you deposit at least $500 into your eligible transaction account from an external source." }, { "type": "min_card_purchases", "value": 5, "text": "Rate is applied when you make 5 eligible Visa Debit card transactions from your linked transaction account." }, { "type": "other", "value": null, "text": "Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate." }, { "type": "linked_account", "value": null, "text": "linked" } ], "extra_bonuses": [], "max_bonus_balance": 100000, "min_balance": null, "max_balance": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.5, "intro_pct": null, "base_pct": 0.2 }, "50000": { "ongoing_pct": 5.5, "intro_pct": null, "base_pct": 0.2 }, "250000": { "ongoing_pct": 2.32, "intro_pct": null, "base_pct": 0.2 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 19, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 18, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 69, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 70, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 70, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposi…", "Earn bonus interest, when you deposit at least $500 into your eligible transaction accoun…" ] }, "feature_tags": [ "app", "Osko", "PayID", "unlimited transactions", "linked account required" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Cash Handling Fee" ], "age_min": 18, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "deposit $500 or more each month", "5 or more card purchases a month", "Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate.", "linked transaction account required", "You must be or become a BCU Bank member" ], "eligibility": [ "You must be or become a BCU Bank member", "residency: You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies." ], "record_stale": false, "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/281", "source_snapshot": "/au/finance/savings-accounts/v1/source/bcu-bank/281.json", "snapshot_at": "2026-11-13T01:41:10Z", "bank_last_updated": "2026-11-13T00:00:41.2804876Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.bcu.com.au/everyday-banking/savings-accounts/boss-saver/", "https://www.bcu.com.au/important-information/terms-and-conditions/savings-accounts--access-channels/" ] } }, { "product_id": "150", "product_name": "Business iSaver", "product_label": "Business iSaver", "product_slug": "business-isaver", "page": "/au/finance/savings-accounts/accounts/bcu-bank/business-isaver/", "product_url": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/savings-accounts--access-channels/", "fees_url": "https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/", "eligibility_url": null, "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "description": "A secure online savings account that pays a high rate of interest for your savings.", "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": 5000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 1.85, "intro_pct": null, "base_pct": 1.85 }, "50000": { "ongoing_pct": 1.85, "intro_pct": null, "base_pct": 1.85 }, "250000": { "ongoing_pct": 1.85, "intro_pct": null, "base_pct": 1.85 } }, "rankings": [ { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 24, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 25, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 26, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 24, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 25, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 26, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 18, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 19, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 20, "of": 35 }, { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 20, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 25, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 27, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 20, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 25, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 27, "of": 42 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 17, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 22, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 24, "of": 42 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "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": [ "app", "Osko", "PayID", "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": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "You'll need to: have a valid ABN, be a sole trader, partnership, company, association, SMSF, trust, or not-for-profit, be operating in Australia with an Australian address,", "url": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/", "checked": "2026-11-06", "citation": { "quote": "You'll need to: have a valid ABN, be a sole trader, partnership, company, association, SMSF, trust, or not-for-profit, be operating in Australia with an Australian address,", "url": "https://www.bcu.com.au/business-banking/bank-accounts/business-isaver-account/#:~:text=You%27ll%20need%20to%3A%20have%20a,Australia%20with%20an%20Australian%20address%2C", "document_sha256": "48da307a2d7eb718560dbcc688a63a9a50fb36b84eb8882af9e4919c40ed7346", "confirmed": "2026-11-13" } } ] }, "conditions": [ "not updated by the bank since 2026-11-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "You must be or become a BCU Bank member", "online banking access only; no debit card, cheque book, Bank@Post, direct debits or BPAY", "also open to self-managed super funds (SMSFs): the bank's own words are \"You'll need to: have a valid ABN, be a sole trader, partnership, company, association, SMSF, trust, or not-for-profit, be operating in Australia with an Australian address\"" ], "eligibility": [ "business: Only business may apply for the account.", "You must be or become a BCU Bank member", "residency: You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. 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