{
  "brand": "Cairns bank",
  "brand_label": "Cairns Bank",
  "brand_slug": "cairns-bank",
  "legal_entity_abn": "68087933757",
  "public_base_uri": "https://openbanking.cairnsbank.com.au/OpenBanking",
  "logo_uri": "https://cairnsbank.com.au/fileadmin/templates/assets/images/cairns-bank-logo.png",
  "status": "error",
  "stale": true,
  "bank_last_updated": "2026-11-05T21:43:32Z",
  "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":3.0,"base_rate_pct":3.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver 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":true},
      {"segment":"personal","kind":"intro","rate_pct":3.0,"base_rate_pct":3.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver 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":true},
      {"segment":"personal","kind":"base","rate_pct":3.0,"base_rate_pct":3.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver 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":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-10-23, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ]
    },
    "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": "S16",
      "product_name": "Childrens saver account",
      "product_label": "Childrens Saver Account",
      "product_slug": "childrens-saver-account",
      "page": "/au/finance/savings-accounts/accounts/cairns-bank/childrens-saver-account/",
      "product_url": "https://cairnsbank.com.au/banking/savings-accounts/kids-saver/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://cairnsbank.com.au/information-and-support/disclosure/",
      "fees_url": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/",
      "eligibility_url": "https://cairnsbank.com.au/information-and-support/disclosure/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Cairns Bank's Kids Saver is a children's savings account to encourage children to develop good savings habits",
      "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": 1.12,
          "intro_pct": null,
          "base_pct": 1.12
        },
        "50000": {
          "ongoing_pct": 0.7,
          "intro_pct": null,
          "base_pct": 0.7
        },
        "250000": {
          "ongoing_pct": 0.62,
          "intro_pct": null,
          "base_pct": 0.62
        }
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": false,
        "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": []
      },
      "feature_tags": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "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": "for members aged under 18 (not 18); one Kids Saver per member",
            "level": "product",
            "quote": "A high interest savings account for under 18s.",
            "source": "https://cairnsbank.com.au/banking/savings-accounts/kids-saver/",
            "citation": {
              "quote": "A high interest savings account for under 18s.",
              "url": "https://cairnsbank.com.au/banking/savings-accounts/kids-saver/#:~:text=A%20high%20interest%20savings%20account%20for%20under%2018s.",
              "document_sha256": "d633cc8d67b53dfb866db27299b77fb6985777033b85679ccfbdf65c29a49627",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-23, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "age 18 and under",
        "for members aged under 18 (not 18); one Kids Saver per member",
        "can only be opened in branch, with a parent or guardian"
      ],
      "eligibility": [
        "age 18 and under"
      ],
      "record_stale": true,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/S16",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/cairns-bank/S16.json",
      "snapshot_at": "2026-10-23T23:01:54Z",
      "bank_last_updated": "2026-10-23T10:48:35.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://cairnsbank.com.au/banking/savings-accounts/kids-saver/",
          "https://cairnsbank.com.au/information-and-support/disclosure/",
          "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/",
          "https://cairnsbank.com.au/wp-content/uploads/2026/06/COMP03-Terms-Conditions-booklet-04-June-2026.pdf",
          "https://cairnsbank.com.au/wp-content/uploads/2025/12/FEE01-Fees-and-Charges-01-January-2026-WEB-VERSION.pdf"
        ]
      }
    },
    {
      "product_id": "S6",
      "product_name": "Christmas Saver Account",
      "product_label": "Christmas Saver Account",
      "product_slug": "christmas-saver-account",
      "page": "/au/finance/savings-accounts/accounts/cairns-bank/christmas-saver-account/",
      "product_url": "https://cairnsbank.com.au/banking/savings-accounts/christmas-saver/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://cairnsbank.com.au/information-and-support/disclosure/",
      "fees_url": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "An account to help you save for Christmas",
      "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": 2.25,
          "intro_pct": null,
          "base_pct": 2.25
        },
        "50000": {
          "ongoing_pct": 2.25,
          "intro_pct": null,
          "base_pct": 2.25
        },
        "250000": {
          "ongoing_pct": 2.25,
          "intro_pct": null,
          "base_pct": 2.25
        }
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "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": [
          "Funds available to withdraw 1st Nov to 31st Dec each year"
        ]
      },
      "feature_tags": [
        "app"
      ],
      "interest_paid": "annually",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "christmas_club"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-23, 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",
        "1 Free withdrawal per year outside 1 November - 31st December",
        "money is locked until 1 November; one free hardship withdrawal a year (subject to approval) outside 1 Nov-31 Dec, further early withdrawals cost $10 each"
      ],
      "eligibility": [
        "1 Free withdrawal per year outside 1 November - 31st December"
      ],
      "record_stale": true,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/S6",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/cairns-bank/S6.json",
      "snapshot_at": "2026-10-23T23:01:54Z",
      "bank_last_updated": "2026-10-23T10:50:14.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://cairnsbank.com.au/banking/savings-accounts/christmas-saver/",
          "https://cairnsbank.com.au/information-and-support/disclosure/",
          "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/",
          "https://cairnsbank.com.au/wp-content/uploads/2026/06/COMP03-Terms-Conditions-booklet-04-June-2026.pdf",
          "https://cairnsbank.com.au/wp-content/uploads/2025/12/FEE01-Fees-and-Charges-01-January-2026-WEB-VERSION.pdf"
        ]
      }
    },
    {
      "product_id": "S7",
      "product_name": "Online Saver account",
      "product_label": "Online Saver Account",
      "product_slug": "online-saver-account",
      "page": "/au/finance/savings-accounts/accounts/cairns-bank/online-saver-account/",
      "product_url": "https://cairnsbank.com.au/banking/savings-accounts/online-saver/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://cairnsbank.com.au/information-and-support/disclosure/",
      "fees_url": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "An online only savings account attached to your transaction account",
      "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": 3.0,
          "intro_pct": null,
          "base_pct": 3.0
        },
        "50000": {
          "ongoing_pct": 3.0,
          "intro_pct": null,
          "base_pct": 3.0
        },
        "250000": {
          "ongoing_pct": 3.0,
          "intro_pct": null,
          "base_pct": 3.0
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 67,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 69,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 71,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 69,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 71,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 72,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 34,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 36,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 39,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "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": []
      },
      "feature_tags": [
        "app"
      ],
      "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 2026-10-23, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/S7",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/cairns-bank/S7.json",
      "snapshot_at": "2026-11-10T03:13:36Z",
      "bank_last_updated": "2026-10-23T10:47:39.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://cairnsbank.com.au/banking/savings-accounts/online-saver/",
          "https://cairnsbank.com.au/information-and-support/disclosure/",
          "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/",
          "https://cairnsbank.com.au/wp-content/uploads/2026/06/COMP03-Terms-Conditions-booklet-04-June-2026.pdf",
          "https://cairnsbank.com.au/wp-content/uploads/2025/12/FEE01-Fees-and-Charges-01-January-2026-WEB-VERSION.pdf"
        ]
      }
    },
    {
      "product_id": "S5",
      "product_name": "Pensioner Account",
      "product_label": "Pensioner Account",
      "product_slug": "pensioner-account",
      "page": "/au/finance/savings-accounts/accounts/cairns-bank/pensioner-account/",
      "product_url": "https://cairnsbank.com.au/banking/transaction-accounts/pensioner-account/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://cairnsbank.com.au/information-and-support/disclosure/",
      "fees_url": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/",
      "eligibility_url": "https://cairnsbank.com.au/information-and-support/disclosure/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A full transaction account designed for recipients of aged or disability pensions",
      "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": 1.37,
          "intro_pct": null,
          "base_pct": 1.37
        },
        "250000": {
          "ongoing_pct": 2.67,
          "intro_pct": null,
          "base_pct": 2.67
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "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": [
          "Cheque book access"
        ]
      },
      "feature_tags": [
        "card",
        "app"
      ],
      "interest_paid": "annually",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "pensioner"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "pension",
            "who": "pension or allowance recipients",
            "level": "product",
            "quote": "Pensioner Account",
            "source": "name"
          },
          {
            "kind": "pension",
            "who": "open only to Age or Disability pension recipients, with proof sighted in branch",
            "level": "product",
            "quote": "If you receive an Age or Disability pension, you can apply for our Pensioner account.",
            "source": "https://cairnsbank.com.au/banking/transaction-accounts/pensioner-account/",
            "citation": {
              "quote": "If you receive an Age or Disability pension, you can apply for our Pensioner account.",
              "url": "https://cairnsbank.com.au/banking/transaction-accounts/pensioner-account/#:~:text=If%20you%20receive%20an%20Age,apply%20for%20our%20Pensioner%20account.",
              "document_sha256": "700ce56b5e11c96caa04eb39d783fc2db2e6b9068ceb6c3514637e5f1781e3ff",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-23, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "open only to pension or allowance recipients",
        "pension recipients only: Recipents of Age and Disability Pensions",
        "open only to Age or Disability pension recipients, with proof sighted in branch"
      ],
      "eligibility": [
        "pension recipients only: Recipents of Age and Disability Pensions"
      ],
      "record_stale": true,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/S5",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/cairns-bank/S5.json",
      "snapshot_at": "2026-10-23T23:01:54Z",
      "bank_last_updated": "2026-10-23T10:49:28.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 3,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://cairnsbank.com.au/banking/transaction-accounts/pensioner-account/",
          "https://cairnsbank.com.au/information-and-support/disclosure/",
          "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/",
          "https://cairnsbank.com.au/wp-content/uploads/2026/06/COMP03-Terms-Conditions-booklet-04-June-2026.pdf",
          "https://cairnsbank.com.au/wp-content/uploads/2025/12/FEE01-Fees-and-Charges-01-January-2026-WEB-VERSION.pdf"
        ]
      }
    },
    {
      "product_id": "S8",
      "product_name": "Business account",
      "product_label": "Business Account",
      "product_slug": "business-account",
      "page": "/au/finance/savings-accounts/accounts/cairns-bank/business-account/",
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}