{ "brand": "Border Bank", "brand_label": "Border Bank", "brand_slug": "border-bank", "legal_entity_abn": "95087650799", "public_base_uri": "https://public.cdr.prd.borderbank.com.au", "logo_uri": "https://www.borderbank.com.au/wp-content/uploads/2023/05/BBLogoArtboard-2.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-11T13:01:29Z", "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":3.47,"base_rate_pct":3.47,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Savings Plus Account","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":false}, {"segment":"personal","kind":"intro","rate_pct":3.47,"base_rate_pct":3.47,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Savings Plus Account","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":false}, {"segment":"personal","kind":"base","rate_pct":3.47,"base_rate_pct":3.47,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Savings Plus Account","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":false} ], "condition_sets": { "k1": [ "members aged 18 or over" ] }, "unranked": { "products": 3, "transaction_account": 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": "2f774fe3-962f-4120-bd75-7f2996e6127f", "product_name": "Bonus Saver Account", "product_label": "Bonus Saver Account", "product_slug": "bonus-saver-account", "page": "/au/finance/savings-accounts/accounts/border-bank/bonus-saver-account/", "product_url": "https://www.borderbank.com.au/forms/join", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.borderbank.com.au/important-documents", "fees_url": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf", "eligibility_url": "https://cdn.mediavalet.com/aunsw/policebank/N3uikFsYQkSPDllMAnSg1Q/bFQbCpIpM0iOwkLtPvhqPg/Original/BBS23_Bonus-Saver-Account-TMD.pdf", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "This is a special purpose savings account created to enable you to earn extra interest if you do not withdraw funds. Funds are available at call. You can use Internet on the account.", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "max_withdrawals", "value": 0, "text": "0" }, { "type": "min_monthly_deposit", "value": 100, "text": "100.00" } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 4.8, "intro_pct": null, "base_pct": 0.05 }, "50000": { "ongoing_pct": 4.8, "intro_pct": null, "base_pct": 0.05 }, "250000": { "ongoing_pct": 4.8, "intro_pct": null, "base_pct": 0.05 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 62, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 58, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 65, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 61, "of": 91, "hidden_by_default": true } ], "features": { "card_access": true, "card": "Credit Card", "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "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": [ "Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000…", "Bonus Interest Rate available. Minimum of $100 to be deposited each month in order to ach…", "Direct Credits. Make regular credits like your pay into this account", "Direct Credits. Set regular payments like your pay sent straight to your account", "Direct Debits. Set up Direct Debits from this account", "ATM withdrawals. up to $1000" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "wallets: Apple Pay, Google Pay, Samsung Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 18, "age_max": null, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "Bonus Saver Account is only available to Australian Customs and Border Protection Services and Australian Quarantine Inspection Services (Core Members)", "level": "product", "quote": "Bonus Saver Account is only available to Australian Customs and Border Protection Services and Australian Quarantine Inspection Services (Core Members)", "source": "feed: eligibility OTHER" } ], "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", "no withdrawals in the month", "deposit $100 or more each month", "Bonus Saver Account is only available to Australian Customs and Border Protection Services and Australian Quarantine Inspection Services (Core Members)" ], "eligibility": [ "Bonus Saver Account is only available to Australian Customs and Border Protection Services and Australian Quarantine Inspection Services (Core Members)", "residency: Australian Citizen", "residency: Australian Residents" ], "record_stale": true, "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/2f774fe3-962f-4120-bd75-7f2996e6127f", "source_snapshot": "/au/finance/savings-accounts/v1/source/border-bank/2f774fe3-962f-4120-bd75-7f2996e6127f.json", "snapshot_at": "2026-10-31T23:12:34Z", "bank_last_updated": "2026-10-31T13:01:23.979Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.borderbank.com.au/banking/bonus-saver", "https://cdn.mediavalet.com/aunsw/policebank/N3uikFsYQkSPDllMAnSg1Q/bFQbCpIpM0iOwkLtPvhqPg/Original/BBS23_Bonus-Saver-Account-TMD.pdf", "https://www.borderbank.com.au/savings-accounts-interest-rates", "https://www.borderbank.com.au/important-documents", "https://cdn.mediavalet.com/aunsw/policebank/-hz9ACbzG0SLoZv9cEI1ag/au9elnTZsE6EtukJIQPOhQ/Original/BB_Schedule-of-Fees-and-Charges.pdf", "https://www.borderbank.com.au/forms/join", "https://cdn.mediavalet.com/aunsw/policebank/SE9JvVULCECE5u_cTQedkw/-GE_rF3bLUupcTJW7DU-uw/Original/BIF01-Membership-Application-Form.pdf" ] } }, { "product_id": "5c91aaf2-d9fa-4d4e-8f86-f7ee573f1900", "product_name": "Dynamo/Flex Account", "product_label": "Dynamo/Flex Account", "product_slug": "dynamo-flex-account", "page": "/au/finance/savings-accounts/accounts/border-bank/dynamo-flex-account/", "product_url": "https://www.borderbank.com.au/forms/dynamo-and-flex", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.borderbank.com.au/important-documents", "fees_url": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf", "eligibility_url": "https://cdn.mediavalet.com/aunsw/policebank/X7cmVTE99UmQlmqI_TxHWA/rHFBiv2rYEC9Q2_BYjh-LQ/Original/BBS24_Dynamo-Flex-Account-TMD.pdf", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "This is a special purpose children’s savings account created to enable children to earn extra interest if they do not withdraw funds. Funds are available at call. You can use Internet on the account", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "max_withdrawals", "value": 0, "text": "0" }, { "type": "min_monthly_deposit", "value": 20, "text": "20.00" } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 2.9, "intro_pct": null, "base_pct": 0.4 }, "50000": { "ongoing_pct": 2.5, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 2.5, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "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": [ "Direct Credits. Make regular credits like your pay into this account", "Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000…", "Bonus Interest Rate available. Minimum of $20 to be deposited each month in order to achi…" ] }, "feature_tags": [ "app", "Osko", "PayID" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 0, "age_max": 18, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 18 and under", "level": "product", "quote": "MAX_AGE 18", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "Dynamo Kids is for children aged 12 and under; parental consent is needed", "level": "product", "quote": "Available up to 12 years of age", "source": "https://www.borderbank.com.au/dynamo-kids-savings", "citation": { "quote": "Available up to 12 years of age", "url": "https://www.borderbank.com.au/dynamo-kids-savings#:~:text=Available%20up%20to%2012%20years%20of%20age", "document_sha256": "86c58620042ee1f39831722c7aa3b7ed20cca16a851be054b97c44585e465169", "confirmed": "2026-11-13" } }, { "kind": "age", "who": "Flex Youth is for ages 13 to 17; Dynamo Kids switches to it at 13", "level": "product", "quote": "The Flex Account is available for 13-17 years of age.", "source": "https://www.borderbank.com.au/flex-youth-savings", "citation": { "quote": "The Flex Account is available for 13-17 years of age.", "url": "https://www.borderbank.com.au/flex-youth-savings#:~:text=The%20Flex%20Account%20is%20available%20for%2013%2D17%20years%20of%20age.", "document_sha256": "4cb9484f7ddb7e7a7d1def21328112702581d8fb722a4f3f02568c0cfb0909e4", "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", "no withdrawals in the month", "deposit $20 or more each month", "age 18 and under", "the feed lists several base rates for one balance; the lowest is shown, up to 0.40% (Balance $0.00 to $49,999.99)", "Dynamo Kids is for children aged 12 and under; parental consent is needed", "Flex Youth is for ages 13 to 17; Dynamo Kids switches to it at 13", "interest, including the bonus, is paid only on the first $49,999.99" ], "eligibility": [ "residency: Australian Citizen", "residency: Australian Residents", "age 18 and under" ], "record_stale": true, "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/5c91aaf2-d9fa-4d4e-8f86-f7ee573f1900", "source_snapshot": "/au/finance/savings-accounts/v1/source/border-bank/5c91aaf2-d9fa-4d4e-8f86-f7ee573f1900.json", "snapshot_at": "2026-10-31T23:12:34Z", "bank_last_updated": "2026-10-31T13:01:24.438Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.borderbank.com.au/dynamo-kids-savings", "https://www.borderbank.com.au/flex-youth-savings", "https://cdn.mediavalet.com/aunsw/policebank/X7cmVTE99UmQlmqI_TxHWA/rHFBiv2rYEC9Q2_BYjh-LQ/Original/BBS24_Dynamo-Flex-Account-TMD.pdf", "https://www.borderbank.com.au/savings-accounts-interest-rates", "https://www.borderbank.com.au/important-documents", "https://cdn.mediavalet.com/aunsw/policebank/-hz9ACbzG0SLoZv9cEI1ag/au9elnTZsE6EtukJIQPOhQ/Original/BB_Schedule-of-Fees-and-Charges.pdf", "https://www.borderbank.com.au/forms/join", "https://cdn.mediavalet.com/aunsw/policebank/SE9JvVULCECE5u_cTQedkw/-GE_rF3bLUupcTJW7DU-uw/Original/BIF01-Membership-Application-Form.pdf" ] } }, { "product_id": "8bca93cc-9312-4089-9a9c-aa1d70192571", "product_name": "Retirement Plus Account", "product_label": "Retirement Plus Account", "product_slug": "retirement-plus-account", "page": "/au/finance/savings-accounts/accounts/border-bank/retirement-plus-account/", "product_url": "https://www.borderbank.com.au/forms/join", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.borderbank.com.au/important-documents", "fees_url": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf", "eligibility_url": "https://cdn.mediavalet.com/aunsw/policebank/1lvcKfVoI0ylU0717gWn4A/UC0TE85YLEWLcQOeNqjDdw/Original/BBS17_Retirement-Plus-Saver-Account-TMD.pdf", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "An account designed for pensioners and retirees.", "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": 2.5, "intro_pct": null, "base_pct": 2.5 }, "50000": { "ongoing_pct": 2.5, "intro_pct": null, "base_pct": 2.5 }, "250000": { "ongoing_pct": 2.5, "intro_pct": null, "base_pct": 2.5 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 50000, "rank": 59, "of": 91, "hidden_by_default": true } ], "features": { "card_access": true, "card": "Credit Card", "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "osko": true, "payid": true, "payto": true, "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": [ "Direct Debits. A facility to make direct debit payments from your account", "Periodical Payments. Account allows Periodical Payments via Cheque and can also make Exte…", "Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000…", "Direct Credits. Make regular credits like your pay into this account", "Direct Credits. Set regular payments like your pay sent straight to your account", "Direct Debits. Set up Direct Debits from this account" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "wallets: Apple Pay, Google Pay, Samsung Pay" ], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 18, "age_max": null, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 18 and over", "level": "product", "quote": "Retirement Plus Account", "source": "feed: eligibility" }, { "kind": "age", "who": "aged 55 or over and either retired or receiving a state super, Centrelink or Veterans' Affairs pension or allowance", "level": "product", "quote": "You’re 55 years of age or above and meet one of these criteria:", "source": "https://www.borderbank.com.au/banking/retirement-plus", "citation": { "quote": "You’re 55 years of age or above and meet one of these criteria:", "url": "https://www.borderbank.com.au/banking/retirement-plus#:~:text=You%E2%80%99re%2055%20years%20of%20age,meet%20one%20of%20these%20criteria%3A", "document_sha256": "1ce16b0c10b31a49d6989d15bfdca58e5025584539de7365ca59a480cfffae90", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "aged 55 or over and either retired or receiving a state super, Centrelink or Veterans' Affairs pension or allowance" ], "eligibility": [ "residency: Australian Residents", "residency: Australian Citizen" ], "record_stale": true, "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/8bca93cc-9312-4089-9a9c-aa1d70192571", "source_snapshot": "/au/finance/savings-accounts/v1/source/border-bank/8bca93cc-9312-4089-9a9c-aa1d70192571.json", "snapshot_at": "2026-10-22T13:24:34Z", "bank_last_updated": "2026-10-14T13:01:27.167Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.borderbank.com.au/banking/retirement-plus", "https://cdn.mediavalet.com/aunsw/policebank/1lvcKfVoI0ylU0717gWn4A/UC0TE85YLEWLcQOeNqjDdw/Original/BBS17_Retirement-Plus-Saver-Account-TMD.pdf", "https://www.borderbank.com.au/savings-accounts-interest-rates", "https://www.borderbank.com.au/important-documents", "https://cdn.mediavalet.com/aunsw/policebank/-hz9ACbzG0SLoZv9cEI1ag/au9elnTZsE6EtukJIQPOhQ/Original/BB_Schedule-of-Fees-and-Charges.pdf", "https://www.borderbank.com.au/forms/join", "https://cdn.mediavalet.com/aunsw/policebank/SE9JvVULCECE5u_cTQedkw/-GE_rF3bLUupcTJW7DU-uw/Original/BIF01-Membership-Application-Form.pdf" ] } }, { "product_id": "c6d0b470-e4c0-4882-beea-21a7809f291d", "product_name": "Savings Plus Account", "product_label": "Savings Plus Account", "product_slug": "savings-plus-account", "page": "/au/finance/savings-accounts/accounts/border-bank/savings-plus-account/", "product_url": "https://www.borderbank.com.au/banking", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.borderbank.com.au/important-documents", "fees_url": "https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf", "eligibility_url": "https://cdn.mediavalet.com/aunsw/policebank/gZWpd2qo7k2sxfq1-tmUgw/bzdmWlPHi0GQxMKCrnR97A/Original/BBS10_Savings-Plus-Account-TMD.pdf", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "This high interest rate savings account helps you to earn more on your money. 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