{ "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "legal_entity_abn": "15087651143", "public_base_uri": "https://public.cdr.api.beyondbank.com.au", "logo_uri": "https://brand.beyondbank.com.au/m/1a1424e421d07bea/thul-RGB-GRAD-Beyond-Bank-Logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-13T00:00:30Z", "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":4.9,"base_rate_pct":0.01,"bonus_rate_pct":4.89,"intro_rate_pct":null,"intro_months":null,"product_label":"Purple Bonus Saver","account_type":"savings","reference_balances":[10000,50000],"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":4.9,"base_rate_pct":0.01,"bonus_rate_pct":4.89,"intro_rate_pct":null,"intro_months":null,"product_label":"Purple Bonus Saver","account_type":"savings","reference_balances":[10000,50000],"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":4.3,"base_rate_pct":4.3,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Community Reward Account","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":"business","kind":"ongoing","rate_pct":4.3,"base_rate_pct":4.3,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Community Reward Account","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":"business","kind":"intro","rate_pct":4.3,"base_rate_pct":4.3,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Community Reward Account","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":"business","kind":"base","rate_pct":4.3,"base_rate_pct":4.3,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Community Reward Account","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} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "deposit $50 or more each month", "No bonus interest is earned on balances greater than $200,000.01 the base rate will apply. Interest is paid monthly. BONUS TIERS", "Membership: You must be or become a Beyond Bank Australia member", "bonus interest needs a deposit of at least $50 in the month and no withdrawals; otherwise only the 0.01% base rate; no bonus above $200,000" ], "k2": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Membership: You must be or become a Beyond Bank Australia member" ] }, "unranked": { "products": 10, "transaction_account": 8, "other_product": 1, "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": "5", "product_name": "BU Account", "product_label": "BU Account", "product_slug": "bu-account", "page": "/au/finance/savings-accounts/accounts/beyond-bank-australia/bu-account/", "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/youth-accounts/bu-savings-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.beyondbank.com.au/bank-and-save/accounts/youth-accounts/bu-savings-account/", "fees_url": "https://www.beyondbank.com.au/bank-and-save/accounts/youth-accounts/bu-savings-account/", "eligibility_url": "https://www.beyondbank.com.au/bank-and-save/accounts/youth-accounts/bu-savings-account/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "The perfect account to stash your cash. 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Interest is paid monthly. BONUS TIERS" } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 4.9, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 4.9, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 3.92, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 44, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 43, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 48, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 47, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": true, "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", "notifications" ], "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 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "deposit $50 or more each month", "No bonus interest is earned on balances greater than $200,000.01 the base rate will apply. 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