{ "brand": "Darling Downs Bank", "brand_label": "Darling Downs Bank", "brand_slug": "darling-downs-bank", "legal_entity_abn": "98087651116", "public_base_uri": "https://ibanking.ddbank.com.au/OpenBanking", "logo_uri": "https://www.ddbank.com.au/app/uploads/2025/08/DDB-FinalRGB-01-e1755734579783.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-13T00:04:25Z", "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":3.15,"base_rate_pct":3.15,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager Online","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":3.15,"base_rate_pct":3.15,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager Online","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":3.15,"base_rate_pct":3.15,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager Online","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": [ "Must be a member of the Credit Union" ] }, "unranked": { "products": 6, "transaction_account": 6 } }, "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": "S4", "product_name": "CASH MANAGER ONLINE", "product_label": "Cash Manager Online", "product_slug": "cash-manager-online", "page": "/au/finance/savings-accounts/accounts/darling-downs-bank/cash-manager-online/", "product_url": "https://www.ddbank.com.au/savings-accounts/cash-manager-online/", "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" ], "segment": "personal", "description": "CASH MANAGER ONLINE", "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": 3.15, "intro_pct": null, "base_pct": 3.15 }, "50000": { "ongoing_pct": 3.15, "intro_pct": null, "base_pct": 3.15 }, "250000": { "ongoing_pct": 3.15, "intro_pct": null, "base_pct": 3.15 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 65, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 68, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 70, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 67, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 70, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 71, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 32, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 35, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 38, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "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": [ "app", "Osko", "PayID", "BPAY", "unlimited transactions" ], "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": [ "Must be a member of the Credit Union" ], "eligibility": [ "residency: Individuals must be citizens or permanent residents of Australia.", "Must be a member of the Credit Union" ], "record_stale": false, "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/S4", "source_snapshot": "/au/finance/savings-accounts/v1/source/darling-downs-bank/S4.json", "snapshot_at": "2026-11-13T01:41:31Z", "bank_last_updated": "2026-11-13T09:35:33.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.ddbank.com.au/savings-accounts/cash-manager-online/", "https://www.ddbank.com.au/rates-and-fees/savings-account-interest-rates/", "https://www.ddbank.com.au/app/uploads/2026/07/INF_0134_06102026-Savings-Interest-Rates.pdf", "https://www.ddbank.com.au/app/uploads/2026/03/INF_0052-Summary-of-Accounts_0326.pdf", "https://www.ddbank.com.au/app/uploads/2026/07/INF_0053-Conditions-of-Use-09_10_2026-1.pdf", "https://www.ddbank.com.au/app/uploads/2026/03/INF_0061-Schedule-of-Fees_Mar26.pdf" ] } }, { "product_id": "S3", "product_name": "CASH MANAGER PLUS", "product_label": "Cash Manager Plus", "product_slug": "cash-manager-plus", "page": "/au/finance/savings-accounts/accounts/darling-downs-bank/cash-manager-plus/", "product_url": "https://www.ddbank.com.au/savings-accounts/cash-manager-plus/", "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" ], "segment": "personal", "description": "CASH MANAGER PLUS", "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": 1.2, "intro_pct": null, "base_pct": 1.2 }, "50000": { "ongoing_pct": 1.7, "intro_pct": null, "base_pct": 1.7 }, "250000": { "ongoing_pct": 2.65, "intro_pct": null, "base_pct": 2.65 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "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": [ "Periodical Payments permitted" ] }, "feature_tags": [ "app", "Osko", "PayID", "unlimited transactions" ], "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": [ "Must be a member of the Credit Union" ], "eligibility": [ "residency: Individuals must be citizens or permanent residents of Australia.", "Must be a member of the Credit Union" ], "record_stale": false, "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/S3", "source_snapshot": "/au/finance/savings-accounts/v1/source/darling-downs-bank/S3.json", "snapshot_at": "2026-11-13T01:41:31Z", "bank_last_updated": "2026-11-13T09:24:57.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 6, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.ddbank.com.au/savings-accounts/cash-manager-plus/", "https://www.ddbank.com.au/rates-and-fees/savings-account-interest-rates/", "https://www.ddbank.com.au/app/uploads/2026/07/INF_0134_06102026-Savings-Interest-Rates.pdf", "https://www.ddbank.com.au/app/uploads/2026/03/INF_0052-Summary-of-Accounts_0326.pdf", "https://www.ddbank.com.au/app/uploads/2026/07/INF_0053-Conditions-of-Use-09_10_2026-1.pdf", "https://www.ddbank.com.au/app/uploads/2026/03/INF_0061-Schedule-of-Fees_Mar26.pdf" ] } }, { "product_id": "S9", "product_name": "CHRISTMAS CLUB", "product_label": "Christmas Club", "product_slug": "christmas-club", "page": "/au/finance/savings-accounts/accounts/darling-downs-bank/christmas-club/", "product_url": "https://www.ddbank.com.au/savings-accounts/christmas-club/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": null, "fees_url": null, "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "CHRISTMAS CLUB", "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": 1.35, "intro_pct": null, "base_pct": 1.35 }, "50000": { "ongoing_pct": 1.35, "intro_pct": null, "base_pct": 1.35 }, "250000": { "ongoing_pct": 1.35, "intro_pct": null, "base_pct": 1.35 } }, "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": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Withdrawals permitted from 1 November - 31 December each year" ] }, "feature_tags": [ "app", "unlimited transactions" ], "interest_paid": "annually", "interest_calculated": null, "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": [ "a Christmas club account: withdrawals are restricted for most of the year", "Must be a member of the Credit Union" ], "eligibility": [ "residency: Individuals must be citizens or permanent residents of Australia.", "Must be a member of the Credit Union" ], "record_stale": false, "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/S9", "source_snapshot": "/au/finance/savings-accounts/v1/source/darling-downs-bank/S9.json", "snapshot_at": "2026-11-13T01:41:31Z", "bank_last_updated": "2026-11-13T10:01:45.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.ddbank.com.au/savings-accounts/christmas-club/", "https://www.ddbank.com.au/rates-and-fees/savings-account-interest-rates/", "https://www.ddbank.com.au/app/uploads/2026/07/INF_0134_06102026-Savings-Interest-Rates.pdf", "https://www.ddbank.com.au/app/uploads/2026/03/INF_0052-Summary-of-Accounts_0326.pdf", "https://www.ddbank.com.au/app/uploads/2026/07/INF_0053-Conditions-of-Use-09_10_2026-1.pdf", "https://www.ddbank.com.au/app/uploads/2026/03/INF_0061-Schedule-of-Fees_Mar26.pdf" ] } }, { "product_id": "S5", "product_name": "EDUCATION SAVER", "product_label": "Education Saver", "product_slug": "education-saver", "page": "/au/finance/savings-accounts/accounts/darling-downs-bank/education-saver/", "product_url": "https://www.ddbank.com.au/rates-and-fees/savings-account-interest-rates/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": null, "fees_url": null, "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "EDUCATION SAVER", "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": 1.0, "intro_pct": null, "base_pct": 1.0 }, "50000": { "ongoing_pct": 1.0, "intro_pct": null, "base_pct": 1.0 }, "250000": { "ongoing_pct": 1.0, "intro_pct": null, "base_pct": 1.0 } }, "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": [ "Passbook Access Available" ] }, "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": [ "Must be a member of the Credit Union", "no withdrawals for 2 years, and early exit fees may apply" ], "eligibility": [ "residency: Individuals must be citizens or permanent residents of Australia.", "Must be a member of the Credit Union" ], "record_stale": false, "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/S5", "source_snapshot": "/au/finance/savings-accounts/v1/source/darling-downs-bank/S5.json", "snapshot_at": "2026-11-13T01:41:31Z", "bank_last_updated": "2026-11-13T09:40:31.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.ddbank.com.au/rates-and-fees/savings-account-interest-rates/", "https://www.ddbank.com.au/app/uploads/2026/07/INF_0134_06102026-Savings-Interest-Rates.pdf", "https://www.ddbank.com.au/app/uploads/2026/03/INF_0052-Summary-of-Accounts_0326.pdf", "https://www.ddbank.com.au/app/uploads/2026/07/INF_0053-Conditions-of-Use-09_10_2026-1.pdf", "https://www.ddbank.com.au/app/uploads/2026/03/INF_0061-Schedule-of-Fees_Mar26.pdf" ] } }, { "product_id": "S10", "product_name": "PENSIONER CHOICE", "product_label": "Pensioner Choice", "product_slug": "pensioner-choice", "page": "/au/finance/savings-accounts/accounts/darling-downs-bank/pensioner-choice/", "product_url": "https://www.ddbank.com.au/savings-accounts/pensioner-choice/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": null, "fees_url": null, "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "PENSIONER CHOICE", "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": 1.23, "intro_pct": null, "base_pct": 1.23 }, "50000": { "ongoing_pct": 1.4, "intro_pct": null, "base_pct": 1.4 }, "250000": { "ongoing_pct": 1.8, "intro_pct": null, "base_pct": 1.8 } }, "rankings": [], "features": { "card_access": true, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "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": [ "Personal Cheque Book facility" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "unlimited transactions" ], "interest_paid": "monthly", "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 CHOICE", "source": "name" } ], "open_note": null }, "conditions": [ "open only to pension or allowance recipients", "pension recipients only: You must be receiving a pension or allowance from Centrelink or Veteran Affairs and the pension or allowance must be paid directly int…", "Must be a member of the Credit Union" ], "eligibility": [ "pension recipients only: You must be receiving a pension or allowance from Centrelink or Veteran Affairs and the pension or allowance must be paid directly into the account", "residency: Individuals must be citizens or permanent residents of Australia", "Must be a member of the Credit Union" ], "record_stale": false, "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/S10", "source_snapshot": "/au/finance/savings-accounts/v1/source/darling-downs-bank/S10.json", "snapshot_at": "2026-11-13T01:41:31Z", "bank_last_updated": "2026-11-13T10:03:32.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 3, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.ddbank.com.au/savings-accounts/pensioner-choice/", "https://www.ddbank.com.au/rates-and-fees/savings-account-interest-rates/", "https://www.ddbank.com.au/app/uploads/2026/07/INF_0134_06102026-Savings-Interest-Rates.pdf", "https://www.ddbank.com.au/app/uploads/2026/03/INF_0052-Summary-of-Accounts_0326.pdf", "https://www.ddbank.com.au/app/uploads/2026/07/INF_0053-Conditions-of-Use-09_10_2026-1.pdf", "https://www.ddbank.com.au/app/uploads/2026/03/INF_0061-Schedule-of-Fees_Mar26.pdf" ] } }, { "product_id": "Mortgage_Offset_Account", "product_name": "CHOICE ACCOUNT", "product_label": "Choice Account – Mortgage Offset Account", "product_slug": "choice-account-mortgage-offset-account", "page": "/au/finance/savings-accounts/accounts/darling-downs-bank/choice-account-mortgage-offset-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": "CHOICE 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": null, "50000": null, "250000": null }, "rankings": [], "features": { "card_access": true, "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": [ "Personal Cheque Facility" ] }, "feature_tags": [ "card", "app", "Osko", "PayID" ], "interest_paid": null, "interest_calculated": null, "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 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