{
  "brand": "BNK Bank (Goldfields Money/BCHL)",
  "brand_label": "BNK Bank",
  "brand_slug": "bnk-bank-goldfields-money-bchl",
  "legal_entity_abn": "63087651849",
  "public_base_uri": "https://public.cdr.bnk.com.au",
  "logo_uri": "https://www.bnk.com.au/wp-content/uploads/2026/04/BNK-small.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-04T04:00:00Z",
  "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":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":0.6,"intro_months":3,"product_label":"Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":5.1,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":0.6,"intro_months":3,"product_label":"Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":0.6,"intro_months":3,"product_label":"Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"smsf","kind":"ongoing","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":0.6,"intro_months":3,"product_label":"Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"smsf","kind":"intro","rate_pct":5.1,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":0.6,"intro_months":3,"product_label":"Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"smsf","kind":"base","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":0.6,"intro_months":3,"product_label":"Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"business","kind":"ongoing","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":0.6,"intro_months":3,"product_label":"Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"business","kind":"intro","rate_pct":5.1,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":0.6,"intro_months":3,"product_label":"Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"business","kind":"base","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"intro_rate_pct":0.6,"intro_months":3,"product_label":"Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "have access to an electronic device with a working internet connection",
        "the 5.10% introductory rate is for new customers (no CMA with Goldfields Money in the past 6 months), for 3 months, on balances from $20,000 to $2,000,000 (offer from 16 October 2026); a balance above $2,000,000 earns the standard rate on the excess"
      ]
    },
    "unranked": {
      "products": 2,
      "transaction_account": 2
    }
  },
  "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": "1003",
      "product_name": "Cash Management Account",
      "product_label": "Cash Management Account",
      "product_slug": "cash-management-account",
      "page": "/au/finance/savings-accounts/accounts/bnk-bank-goldfields-money-bchl/cash-management-account/",
      "product_url": "https://www.bnk.com.au/everyday-banking/cash-management-accounts/",
      "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",
        "business"
      ],
      "segment": "personal",
      "description": "A Goldfields Cash Management Account is a high interest earning account for individuals, business or companies",
      "bonus_is_total": null,
      "intro_is_total": true,
      "intro_is_bonus_rate": false,
      "intro_months": 3,
      "intro_conditions": [
        "new customers only: The interest rate applied to new customers CMA accounts",
        "deposit $20,000 or more each month"
      ],
      "bonus_conditions": [],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 4.5,
          "intro_pct": 5.1,
          "base_pct": 4.5
        },
        "50000": {
          "ongoing_pct": 4.5,
          "intro_pct": 5.1,
          "base_pct": 4.5
        },
        "250000": {
          "ongoing_pct": 4.5,
          "intro_pct": 5.1,
          "base_pct": 4.5
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 53,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 56,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 56,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 44,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 43,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 38,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 17,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 19,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 20,
          "of": 79
        },
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 14,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 14,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 16,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 10000,
          "rank": 9,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 50000,
          "rank": 9,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 250000,
          "rank": 9,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 10000,
          "rank": 6,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 50000,
          "rank": 6,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 250000,
          "rank": 8,
          "of": 35
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 7,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 9,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 10,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 10000,
          "rank": 6,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 50000,
          "rank": 6,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 250000,
          "rank": 7,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 10000,
          "rank": 5,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 50000,
          "rank": 7,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 250000,
          "rank": 8,
          "of": 42
        }
      ],
      "features": {
        "card_access": true,
        "card": "VISA debit card",
        "digital_wallets": [
          "Apple Pay",
          "Google Pay"
        ],
        "osko": false,
        "payid": false,
        "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": [
        "card",
        "app",
        "BPAY",
        "unlimited transactions",
        "wallets: Apple Pay, Google Pay"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 18,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "have access to an electronic device with a working internet connection",
        "the 5.10% introductory rate is for new customers (no CMA with Goldfields Money in the past 6 months), for 3 months, on balances from $20,000 to $2,000,000 (offer from 16 October 2026); a balance above $2,000,000 earns the standard rate on the excess"
      ],
      "eligibility": [
        "business: ABN Holder",
        "business: Be a Company, sole trader business, partnership, or a Trustee of a SMSF and have at least one signatory who is at least 18 years of age and an Australian resident for tax purposes.",
        "have access to an electronic device with a working internet connection",
        "residency: have a business address, registered office and postal address in Australia: Business Address in Australia",
        "Have access to an electronic device with a working internet connection",
        "residency: be in Australia and have an Australian residential address and phone number: An Australian citizen, permanent resident or Australian resident for tax purposes"
      ],
      "record_stale": false,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1003",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bnk-bank-goldfields-money-bchl/1003.json",
      "snapshot_at": "2026-11-05T03:30:53Z",
      "bank_last_updated": "2026-11-04T04:00:00.250349Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.bnk.com.au/everyday-banking/cash-management-accounts/"
        ]
      }
    },
    {
      "product_id": "1008",
      "product_name": "Boss Access Account",
      "product_label": "Boss Access Account",
      "product_slug": "boss-access-account",
      "page": "/au/finance/savings-accounts/accounts/bnk-bank-goldfields-money-bchl/boss-access-account/",
      "product_url": null,
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": null,
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "smsf",
        "business"
      ],
      "segment": "smsf",
      "description": "Our Boss Access account is a hassle-free business transaction account with zero everyday fees for ABN holders",
      "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": 0.05,
          "intro_pct": null,
          "base_pct": 0.05
        },
        "50000": {
          "ongoing_pct": 0.05,
          "intro_pct": null,
          "base_pct": 0.05
        },
        "250000": {
          "ongoing_pct": 0.05,
          "intro_pct": null,
          "base_pct": 0.05
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Yes",
        "digital_wallets": [
          "Apple Pay",
          "Google Pay"
        ],
        "osko": false,
        "payid": false,
        "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": [
          "Overseas Debit cards",
          "ATM Withdrawals - There is a daily limit of $1,000 per day for ATM withdrawals"
        ]
      },
      "feature_tags": [
        "card",
        "app",
        "BPAY",
        "unlimited transactions",
        "wallets: Apple Pay, Google Pay"
      ],
      "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 2026-03-16, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "have access to an electronic device with a working internet connection"
      ],
      "eligibility": [
        "business: ABN Holder",
        "business: Be a Company, sole trader business, partnership, or a Trustee of a SMSF and have at least one signatory who is at least 18 years of age and an Australian resident for tax purposes.",
        "have access to an electronic device with a working internet connection",
        "residency: have a business address, registered office and postal address in Australia: Business Address in Australia"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1008",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bnk-bank-goldfields-money-bchl/1008.json",
      "snapshot_at": "2026-11-05T03:30:53Z",
      "bank_last_updated": "2026-03-16T02:30:00.850942Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 1
    },
    {
      "product_id": "1001",
      "product_name": "Goldfields Essential Account",
      "product_label": "Essential Account",
      "product_slug": "essential-account",
      "page": "/au/finance/savings-accounts/accounts/bnk-bank-goldfields-money-bchl/essential-account/",
      "product_url": null,
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": null,
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "An everyday transaction account for savvy savers.",
      "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": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Yes",
        "digital_wallets": [
          "Apple Pay",
          "Google Pay"
        ],
        "osko": false,
        "payid": false,
        "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": [
          "ATM withdrawals - There is an ATM daily limit of $1,000"
        ]
      },
      "feature_tags": [
        "card",
        "app",
        "BPAY",
        "unlimited transactions",
        "wallets: Apple Pay, Google Pay"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 18,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-04-20, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Have access to an electronic device with a working internet connection"
      ],
      "eligibility": [
        "Have access to an electronic device with a working internet connection",
        "residency: be in Australia and have an Australian residential address and phone number: An Australian citizen, permanent resident or Australian resident for tax purposes"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1001",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bnk-bank-goldfields-money-bchl/1001.json",
      "snapshot_at": "2026-11-05T03:30:53Z",
      "bank_last_updated": "2026-04-20T01:20:00.4038Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 1
    }
  ],
  "rows": [
    {
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "legal_entity_abn": "63087651849",
      "product_id": "1003",
      "product_name": "Cash Management Account",
      "product_label": "Cash Management Account",
      "product_slug": "cash-management-account",
      "page": "/au/finance/savings-accounts/accounts/bnk-bank-goldfields-money-bchl/cash-management-account/",
      "product_url": "https://www.bnk.com.au/everyday-banking/cash-management-accounts/",
      "terms_url": null,
      "account_type": "cash_management",
      "segments": [
        "personal",
        "smsf",
        "business"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": true,
      "intro_months": 3,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": 18,
      "age_max": null,
      "restrictions": [],
      "conditions": [
        "have access to an electronic device with a working internet connection",
        "the 5.10% introductory rate is for new customers (no CMA with Goldfields Money in the past 6 months), for 3 months, on balances from $20,000 to $2,000,000 (offer from 16 October 2026); a balance above $2,000,000 earns the standard rate on the excess"
      ],
      "record_stale": false,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1003",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/bnk-bank-goldfields-money-bchl/1003.json",
      "bank_last_updated": "2026-11-04T04:00:00.250349Z",
      "balance_from": 0,
      "balance_to": null,
      "base_rate_pct": 4.5,
      "bonus_rate_pct": null,
      "intro_rate_pct": 5.1,
      "ongoing_rate_pct": 4.5,
      "intro_total_rate_pct": 5.1,
      "rate_application": "whole_balance",
      "ranked": true,
      "unranked_reason": null
    },
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