{ "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "public_base_uri": "https://api.commbank.com.au/public", "logo_uri": "https://www.commbank.com.au/content/dam/commbank-assets/cba-stacked.jpg", "status": "ok", "stale": false, "bank_last_updated": "2026-11-13T12:01:09Z", "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":5.5,"base_rate_pct":0.1,"bonus_rate_pct":5.4,"intro_rate_pct":null,"intro_months":null,"product_label":"GoalSaver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"intro","rate_pct":5.75,"base_rate_pct":2.5,"bonus_rate_pct":null,"intro_rate_pct":3.25,"intro_months":5,"product_label":"NetBank Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["linked_account"],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":2.5,"base_rate_pct":2.5,"bonus_rate_pct":null,"intro_rate_pct":3.25,"intro_months":5,"product_label":"NetBank Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["linked_account"],"record_stale":false}, {"segment":"smsf","kind":"ongoing","rate_pct":5.15,"base_rate_pct":5.15,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account"],"record_stale":false}, {"segment":"smsf","kind":"intro","rate_pct":5.15,"base_rate_pct":5.15,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account"],"record_stale":false}, {"segment":"smsf","kind":"base","rate_pct":5.15,"base_rate_pct":5.15,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account"],"record_stale":false}, {"segment":"business","kind":"ongoing","rate_pct":2.25,"base_rate_pct":2.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Direct Investment Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":false}, {"segment":"business","kind":"intro","rate_pct":2.25,"base_rate_pct":2.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Direct Investment Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":false}, {"segment":"business","kind":"base","rate_pct":2.25,"base_rate_pct":2.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Direct Investment Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":false} ], "condition_sets": { "k1": [ "at least one deposit each month", "grow the balance each month", "For customers wanting to apply online, they will require an Australian residential address." ], "k2": [ "For customers wanting to apply online, they will require an Australian residential address.", "If you're already a CommBank customer, you'll need your NetBank Client Number. If you're not already a CommBank customer, your Australian driver's licence, Med…", "You'll need to link an eligible CommBank transaction account to your NetBank Saver. Eligible accounts can be a Smart Access, Complete Access, Everyday Offset,…", "applicants must be 14 or older; for joint accounts both applicants must be 18 or older", "intro rate is for the first NetBank Saver only: a joint account gets it only if it is the first NetBank Saver of each holder" ], "k3": [ "SMSF Saver is available for Australian Self Managed Superannuation Funds (SMSF)", "You'll need to be an existing CommBank customer, with a NetBank Client Number.", "You'll need to link an eligible CommBank transaction account to your SMSF Saver. Eligible accounts can be a Commonwealth Direct Investment Account or a Commonw…", "needs a Commonwealth Direct Investment Account or Private Bank Account in the SMSF's name" ], "k4": [ "the feed lists several base rates for one balance; the lowest is shown, up to 3.25% (Self-managed superfunds (SMSF) that elect the SMSF Commonwealth direct investment account option wi…)", "You can apply if you are opening the account in a personal, joint, company, SMSF or trust name.", "You must be an Australian registered or incorporated company; Australian Trust or Self-Managed Super Fund (SMSF).", "You must have an Australian residential address.", "must be opened with, or already have, a commsec share trading account", "individuals must be 18 or older with an australian residential and postal address" ] }, "unranked": { "products": 12, "transaction_account": 5, "no_rate": 2, "term_deposit": 1, "offset_account": 1, "farm_management_deposit": 1, "foreign_currency": 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": "b31f8ddfc16b4121a0522fdc4af6cf7e", "product_name": "Business Online Saver", "product_label": "Business Online Saver", "product_slug": "business-online-saver", "page": "/au/finance/savings-accounts/accounts/commbank/business-online-saver/", "product_url": "https://www.commbank.com.au/business/bank-accounts/business-online-saver.html", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf", "fees_url": "https://www.commbank.com.au/business/banking-and-cards/bank-accounts/business-online-saver.html#Rates", "eligibility_url": "https://www.commbank.com.au/business/banking-and-cards/bank-accounts/business-online-saver.html#how", "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "A business savings account that can help you manage cash flow and set aside money for tax payments.", "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": 0.75, "intro_pct": null, "base_pct": 0.75 }, "50000": { "ongoing_pct": 1.15, "intro_pct": null, "base_pct": 1.15 }, "250000": { "ongoing_pct": 1.55, "intro_pct": null, "base_pct": 1.55 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Streamline your business banking and save time with automatic data feeds from your online…", "Rather than wait hours or days for payments from another bank to clear, receive money alm…", "Transfers between this account and the linked CommBank business transaction account are m…" ] }, "feature_tags": [ "app", "unlimited transactions", "linked account required" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "Have access to NetBank or the CommBank app, or CommBiz", "in the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN or ACN where relevant", "in the case of foreign companies that carry on business in Australia, be registered with ASIC. 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