{ "brand": "Bendigo Bank", "brand_label": "Bendigo Bank", "brand_slug": "bendigo-bank", "legal_entity_abn": "11068049178", "public_base_uri": "https://api.cdr.bendigobank.com.au", "logo_uri": "https://www.bendigobank.com.au/globalassets/globalresources/brand-logos/bendigobank-logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-10-18T13:32:24Z", "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":5.0,"base_rate_pct":0.1,"bonus_rate_pct":4.9,"intro_rate_pct":null,"intro_months":null,"product_label":"Reward 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":5.0,"base_rate_pct":0.1,"bonus_rate_pct":4.9,"intro_rate_pct":null,"intro_months":null,"product_label":"Reward 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":3.8,"base_rate_pct":3.8,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"EasySaver","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":1.0,"base_rate_pct":1.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Management Account (CMA)","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["via_third_party"],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":1.0,"base_rate_pct":1.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Management Account (CMA)","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["via_third_party"],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":1.0,"base_rate_pct":1.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Management Account (CMA)","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["via_third_party"],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business EasySaver","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":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business EasySaver","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":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business EasySaver","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 2026-10-18, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "grow the balance each month", "Grow your balance every month", "the bonus rate applies only to the part of the balance up to $100,000", "base rate applies instead of the bonus if the balance does not grow in the month", "the web page also asks for at least one deposit a month", "only one account per customer earns the bonus", "must be an Australian citizen or resident", "joint accounts only through a branch; not for business customers" ], "k2": [ "not updated by the bank since 2026-10-18, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "only the first two in-branch cash withdrawals or transfers a month are free" ], "k3": [ "not updated by the bank since 2026-08-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "opened only through an adviser, broker, intermediary or investment platform", "account holders must live in Australia", "minimum $1,000 to open and keep the account; it may be closed if the balance falls below", "also open to self-managed super funds (SMSFs): the bank's own words are \"a trustee of a trust (including a self-managed super fund)\"" ], "k4": [ "not updated by the bank since 2026-10-18, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "can only be opened by visiting a branch" ] }, "unranked": { "products": 7, "transaction_account": 5, "foreign_currency": 1, "farm_management_deposit": 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": "6d6b4d2d-55b4-48ef-afeb-b5d4a6d0cae4", "product_name": "Bendigo Business EasySaver", "product_label": "Business EasySaver", "product_slug": "business-easysaver", "page": "/au/finance/savings-accounts/accounts/bendigo-bank/business-easysaver/", "product_url": "https://www.bendigobank.com.au/business/business-savings-accounts/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.bendigobank.com.au/disclosure-documents/", "fees_url": "https://www.bendigobank.com.au/disclosure-documents/", "eligibility_url": "https://www.bendigobank.com.au/disclosure-documents/", "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "This account offers a single interest rate on the entire balance of the account, and includes free e-banking 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": 1, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 1.5, "intro_pct": null, "base_pct": 1.5 }, "50000": { "ongoing_pct": 1.5, "intro_pct": null, "base_pct": 1.5 }, "250000": { "ongoing_pct": 1.5, "intro_pct": null, "base_pct": 1.5 } }, "rankings": [ { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 25, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 29, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 34, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 25, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 29, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 34, "of": 42 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 22, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 26, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 31, "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": [ "Minimum opening balance of just $1", "Single interest rate regardless of the account balance", "No monthly account service fee, and free e-banking transactions" ] }, "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 }, "conditions": [ "not updated by the bank since 2026-10-18, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "can only be opened by visiting a branch" ], "eligibility": [], "record_stale": true, "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/6d6b4d2d-55b4-48ef-afeb-b5d4a6d0cae4", "source_snapshot": "/au/finance/savings-accounts/v1/source/bendigo-bank/6d6b4d2d-55b4-48ef-afeb-b5d4a6d0cae4.json", "snapshot_at": "2026-10-22T13:24:26Z", "bank_last_updated": "2026-10-18T13:32:24.574Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.bendigobank.com.au/business/business-savings-accounts/", "https://www.bendigobank.com.au/disclosure-documents/", "https://www.bendigobank.com.au/globalassets/documents/interestrates/schedule-of-interest-rates-for-business-accounts.pdf", "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-business-accounts-and-facilities.pdf", "https://www.bendigobank.com.au/globalassets/documents/disclosures/business-fees-and-charges.pdf" ] } }, { "product_id": "d898056d-054a-4a1b-b78f-54875584191d", "product_name": "Bendigo Cash Management Account (CMA)", "product_label": "Cash Management Account (CMA)", "product_slug": "cash-management-account-cma", "page": "/au/finance/savings-accounts/accounts/bendigo-bank/cash-management-account-cma/", "product_url": "https://www.bendigobank.com.au/personal/investing/cash-solutions/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": null, "fees_url": null, "eligibility_url": null, "account_type": "cash_management", "segments": [ "personal", "smsf" ], "segment": "personal", "description": "An interest earning at-call deposit account which is sold to new or existing customers via a custodian or advisor. 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