{
  "brand": "Broken Hill Bank",
  "brand_label": "Broken Hill Bank",
  "brand_slug": "broken-hill-bank",
  "legal_entity_abn": "12087650762",
  "public_base_uri": "https://public.cdr-api.bhccu.com.au",
  "logo_uri": "https://images.squarespace-cdn.com/content/v1/63fd48114c119156c9e26d0d/d3e7437a-ce6d-4862-9029-5a34ec3350b2/BHB.Colour.Logo.png?format=1500w",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-13T00:00:17Z",
  "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":2.26,"base_rate_pct":2.26,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"eCall Savings Account","account_type":"savings","reference_balances":[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":2.26,"base_rate_pct":2.26,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"eCall Savings Account","account_type":"savings","reference_balances":[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":2.26,"base_rate_pct":2.26,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"eCall Savings Account","account_type":"savings","reference_balances":[50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-06-11, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "interest is paid only on balances up to $500,000",
        "joint accounts need both holders to be members"
      ]
    },
    "unranked": {
      "products": 3,
      "offset_account": 2,
      "transaction_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": "45",
      "product_name": "Busy Bee Account",
      "product_label": "Busy Bee Account",
      "product_slug": "busy-bee-account",
      "page": "/au/finance/savings-accounts/accounts/broken-hill-bank/busy-bee-account/",
      "product_url": "https://brokenhill.bank/youth-and-kids",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://brokenhill.bank/youth-and-kids",
      "fees_url": "https://brokenhill.bank/rates-and-fees",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our new Busy Bee account is a great first bank account for children aged 0-11. This deposit only account teaches little ones the value of money and the importance of saving in a fun and interactive way.",
      "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": 0,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 3.0,
          "intro_pct": null,
          "base_pct": 3.0
        },
        "50000": {
          "ongoing_pct": 1.3,
          "intro_pct": null,
          "base_pct": 1.3
        },
        "250000": {
          "ongoing_pct": 0.86,
          "intro_pct": null,
          "base_pct": 0.86
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 82,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 84,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 55,
          "of": 91,
          "hidden_by_default": true
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": false,
        "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": [
          "No Monthly Account Keeping Fees"
        ]
      },
      "feature_tags": [
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": 12,
      "restrictions": [
        "age_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "age",
            "who": "age 12 and under",
            "level": "product",
            "quote": "MAX_AGE 12",
            "source": "feed: eligibility MAX_AGE"
          },
          {
            "kind": "age",
            "who": "for children aged 0 to 11; at 12 the account moves to a super youth saver",
            "level": "product",
            "quote": "Busy Bee account - a buzzing start to financial education (for ages 0-11)",
            "source": "https://brokenhill.bank/youth-and-kids",
            "citation": {
              "quote": "Busy Bee account - a buzzing start to financial education (for ages 0-11)",
              "url": "https://brokenhill.bank/youth-and-kids#:~:text=Busy%20Bee%20account%20%2D%20a,financial%20education%20%28for%20ages%200%2D11%29",
              "document_sha256": "83826f8680c583096a2e3273fbea918b5cb7b77913c1bb7e9806e4e146b88537",
              "confirmed": "2026-11-13"
            }
          },
          {
            "kind": "age",
            "who": "only a parent or legal guardian can open it for the child",
            "level": "product",
            "quote": "Please note that only parents or legal guardians can open an account for children aged between 0 – 11 years.",
            "source": "https://brokenhill.bank/youth-and-kids",
            "citation": {
              "quote": "Please note that only parents or legal guardians can open an account for children aged between 0 – 11 years.",
              "url": "https://brokenhill.bank/youth-and-kids#:~:text=Please%20note%20that%20only%20parents,between%200%20%E2%80%93%2011%20years.",
              "document_sha256": "83826f8680c583096a2e3273fbea918b5cb7b77913c1bb7e9806e4e146b88537",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-06-11, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "age 12 and under",
        "for children aged 0 to 11; at 12 the account moves to a super youth saver",
        "deposit only, no withdrawals until the child is 12",
        "only a parent or legal guardian can open it for the child"
      ],
      "eligibility": [
        "age 12 and under",
        "residency: Residents Of Australia Are Eligible: Australian Citizens Or Permanent Residents"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/45",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/broken-hill-bank/45.json",
      "snapshot_at": "2026-10-22T13:24:37Z",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 3,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://brokenhill.bank/youth-and-kids",
          "https://brokenhill.bank/rates-and-fees",
          "https://brokenhill.bank/s/Interest-Rate-Brochure-21st-October-2026.pdf",
          "https://brokenhill.bank/s/Summary-of-Accounts.pdf",
          "https://brokenhill.bank/s/Fees-Charges-Schedule.pdf",
          "https://brokenhill.bank/s/Account-and-Access-Facility-Conditions-of-Use-July-2025.pdf"
        ]
      }
    },
    {
      "product_id": "20",
      "product_name": "eCall Savings Account",
      "product_label": "eCall Savings Account",
      "product_slug": "ecall-savings-account",
      "page": "/au/finance/savings-accounts/accounts/broken-hill-bank/ecall-savings-account/",
      "product_url": "https://brokenhill.bank/savings",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://brokenhill.bank/savings",
      "fees_url": "http://brokenhill.bank/rates-and-fees",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Now You Can Have Your Money Earning Interest Without Being Tied Up. It's Your Money And You Can Access It Whenever You Like.",
      "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": 0,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
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          "ongoing_pct": 1.68,
          "intro_pct": null,
          "base_pct": 1.68
        },
        "50000": {
          "ongoing_pct": 1.88,
          "intro_pct": null,
          "base_pct": 1.88
        },
        "250000": {
          "ongoing_pct": 2.26,
          "intro_pct": null,
          "base_pct": 2.26
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 75,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 74,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
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          "rank": 76,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
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          "rank": 75,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 51,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 47,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
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        "unlimited_transactions": true,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Our eCall Account Is Solely A Digital Account Only And No Over The Counter Transactions O…",
          "No Monthly Account Keeping Fees"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
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      "monthly_fee_note": null,
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      "restrictions": [],
      "who_can_open": {
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        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-06-11, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "interest is paid only on balances up to $500,000",
        "joint accounts need both holders to be members"
      ],
      "eligibility": [
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      ],
      "record_stale": true,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/20",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/broken-hill-bank/20.json",
      "snapshot_at": "2026-10-22T13:24:37Z",
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      "ranked": true,
      "unranked_reason": null,
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      "terms_scan": {
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      }
    },
    {
      "product_id": "50",
      "product_name": "OTC Savings Account",
      "product_label": "OTC Savings Account",
      "product_slug": "otc-savings-account",
      "page": "/au/finance/savings-accounts/accounts/broken-hill-bank/otc-savings-account/",
      "product_url": "https://brokenhill.bank/access",
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      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://brokenhill.bank/access",
      "fees_url": "http://brokenhill.bank/rates-and-fees",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
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      ],
      "segment": "personal",
      "description": "Broken Hill Bank's Over The Counter Savings Account. An Account Option For Those Customers That Don't Have Digital Services.",
      "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": 1000,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 1.03,
          "intro_pct": null,
          "base_pct": 1.03
        },
        "50000": {
          "ongoing_pct": 1.13,
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          "base_pct": 1.13
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        "250000": {
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        }
      },
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      "features": {
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        "osko": true,
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        "round_up": false,
        "joint": null,
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        "other": [
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        ]
      },
      "feature_tags": [
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        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
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      },
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        "only for customers who do not have internet banking activated; turning it on closes the account",
        "interest is paid only on balances up to $500,000"
      ],
      "eligibility": [
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      ],
      "record_stale": true,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/50",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/broken-hill-bank/50.json",
      "snapshot_at": "2026-10-22T13:24:37Z",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 4,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
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          "https://brokenhill.bank/s/Account-and-Access-Facility-Conditions-of-Use-July-2025.pdf"
        ]
      }
    },
    {
      "product_id": "21",
      "product_name": "Santa Saver Account",
      "product_label": "Santa Saver Account",
      "product_slug": "santa-saver-account",
      "page": "/au/finance/savings-accounts/accounts/broken-hill-bank/santa-saver-account/",
      "product_url": "https://brokenhill.bank/savings",
      "rate_correction": null,
      "interest_paid_correction": null,
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      "terms_url": "https://brokenhill.bank/savings",
      "fees_url": "http://brokenhill.bank/rates-and-fees",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Christmas Is Always Just Around The Corner. Fun, Festivity And Gifts All Come At A Price. Time To Start Saving. Broken Hill Bank Can Help Prepare With A Santa Saver Account.",
      "bonus_is_total": null,
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      "intro_is_bonus_rate": null,
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        },
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        },
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          "ongoing_pct": 1.75,
          "intro_pct": null,
          "base_pct": 1.75
        }
      },
      "rankings": [
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          "kind": "ongoing",
          "balance": 10000,
          "rank": 74,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 75,
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        },
        {
          "segment": "personal",
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          "rank": 51,
          "of": 79
        }
      ],
      "features": {
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        "bpay": false,
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        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
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        ]
      },
      "feature_tags": [
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        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
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      "fees_without_amount": [],
      "age_min": null,
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      "restrictions": [
        "christmas_club"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-06-11, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "a Christmas club account: withdrawals are restricted for most of the year",
        "withdrawing before 1 november incurs a $25 early redemption fee",
        "funds are transferred to your transaction account on 1 november each year"
      ],
      "eligibility": [
        "residency: Residents Of Australia Are Eligible: Australian Citizens Or Permanent Residents"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/21",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/broken-hill-bank/21.json",
      "snapshot_at": "2026-10-22T13:24:37Z",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://brokenhill.bank/savings",
          "https://brokenhill.bank/rates-and-fees",
          "https://brokenhill.bank/s/Interest-Rate-Brochure-21st-October-2026.pdf",
          "https://brokenhill.bank/s/Summary-of-Accounts.pdf",
          "https://brokenhill.bank/s/Fees-Charges-Schedule.pdf",
          "https://brokenhill.bank/s/Account-and-Access-Facility-Conditions-of-Use-July-2025.pdf"
        ]
      }
    },
    {
      "product_id": "46",
      "product_name": "Super Youth Saver",
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