{ "brand": "Defence Bank", "brand_label": "Defence Bank", "brand_slug": "defence-bank", "legal_entity_abn": "57087651385", "public_base_uri": "https://product.defencebank.com.au", "logo_uri": "https://www.defencebank.com.au/globalassets/images/logos/defence-bank/logo.svg", "status": "ok", "stale": false, "bank_last_updated": "2026-10-13T13:00:00Z", "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":5.3,"base_rate_pct":0.1,"bonus_rate_pct":5.2,"intro_rate_pct":null,"intro_months":null,"product_label":"Max E Saver","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":true}, {"segment":"personal","kind":"intro","rate_pct":5.3,"base_rate_pct":0.1,"bonus_rate_pct":5.2,"intro_rate_pct":null,"intro_months":null,"product_label":"Max E Saver","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":true}, {"segment":"personal","kind":"base","rate_pct":0.5,"base_rate_pct":0.5,"bonus_rate_pct":null,"intro_rate_pct":4.75,"intro_months":6,"product_label":"iSaver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":250000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"ongoing","rate_pct":5.3,"base_rate_pct":0.1,"bonus_rate_pct":5.2,"intro_rate_pct":null,"intro_months":null,"product_label":"Max E Saver","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":true}, {"segment":"smsf","kind":"intro","rate_pct":5.3,"base_rate_pct":0.1,"bonus_rate_pct":5.2,"intro_rate_pct":null,"intro_months":null,"product_label":"Max E Saver","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":true}, {"segment":"smsf","kind":"base","rate_pct":0.5,"base_rate_pct":0.5,"bonus_rate_pct":null,"intro_rate_pct":4.75,"intro_months":6,"product_label":"iSaver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":250000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "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", "no withdrawals in the month", "a deposit must be made in the month as well as no withdrawals to earn the bonus", "also open to self-managed super funds (SMSFs), on request: SMSF trustees can open it on request, and Defence Bank will ask for a copy of the trust deed; its Products and Services Conditions of Use, which govern this account, say \"Trust accounts can be opened on request.\" and list among them a trustee account held by \"trustees of a self-managed superannuation fund. When you open a trust account we will ask you for a copy of the trust deed.\"" ], "k2": [ "rates confirmed on the bank's own page on 2026-10-30: 0.50% base plus a 4.75% introductory bonus for the first six months on balances up to $250,000, 5.25% in all", "One iSaver per member, including Joint accounts. New accounts do not include funds previously invested with Defence Bank.", "only one new iSaver account per membership, joint accounts included, gets the intro bonus", "the 4.75% intro bonus covers balances up to $250,000 only; above that the 0.50% base rate applies", "also open to self-managed super funds (SMSFs), on request: SMSF trustees can open it on request, and Defence Bank will ask for a copy of the trust deed; its Products and Services Conditions of Use, which govern this account, say \"Trust accounts can be opened on request.\" and list among them a trustee account held by \"trustees of a self-managed superannuation fund. When you open a trust account we will ask you for a copy of the trust deed.\"" ] }, "unranked": { "products": 2, "transaction_account": 1, "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": "122", "product_name": "Cadet Saver", "product_label": "Cadet Saver", "product_slug": "cadet-saver", "page": "/au/finance/savings-accounts/accounts/defence-bank/cadet-saver/", "product_url": "https://www.defencebank.com.au/banking/savings-accounts/cadet-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/", "fees_url": "https://www.defencebank.com.au/banking/savings-accounts/cadet-saver/", "eligibility_url": "https://www.defencebank.com.au/banking/savings-accounts/cadet-saver/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Created especially for young cadets aged 12 to 17 years, our Cadet Saver account will have you and your savings looking good.", "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": 5.25, "intro_pct": null, "base_pct": 5.25 }, "50000": { "ongoing_pct": 5.25, "intro_pct": null, "base_pct": 5.25 }, "250000": { "ongoing_pct": 5.25, "intro_pct": null, "base_pct": 5.25 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 10000, "rank": 17, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 14, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 14, "of": 91, "hidden_by_default": true } ], "features": { "card_access": true, "card": "Set your own pin", "digital_wallets": [ "Compatible with digital wallets from Apple, Garmin, Google and Samsung", "Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. This removes the stress and inconvenience of having to wait until the physical card arrives to access funds." ], "osko": true, "payid": true, "payto": true, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Lock & Block", "Bank@Post", "PayTo" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "notifications", "unlimited transactions", "wallets: Compatible with digital wallets from Apple, Garmin, Google and Samsung, Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. This removes the stress and inconvenience of having to wait until the physical card arrives to access funds." ], "interest_paid": "annually", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "fees_without_amount": [ "Visa foreign currency conversion fee" ], "age_min": 12, "age_max": 17, "restrictions": [ "age_limited", "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 17 and under", "level": "product", "quote": "MAX_AGE 17", "source": "feed: eligibility MAX_AGE" }, { "kind": "occupation", "who": "open only to cadets aged 12 to 17", "level": "product", "quote": "Available to cadets aged 12 to 17 years.", "source": "https://www.defencebank.com.au/banking/savings-accounts/cadet-saver/", "citation": { "quote": "Available to cadets aged 12 to 17 years.", "url": "https://www.defencebank.com.au/banking/savings-accounts/cadet-saver/#:~:text=Available%20to%20cadets%20aged%2012%20to%2017%20years.", "document_sha256": "bf618e50c80292621fda1790426a1ae99670ad22273ee90a6f32468f0f54e51b", "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", "ages 12 to 17", "age 17 and under", "Created especially for cadets aged 12 to 17 years, our Cadet Saver account will have you and your savings looking good.", "open only to cadets aged 12 to 17", "converts to an Everyday Access account at 18" ], "eligibility": [ "age 17 and under", "Created especially for cadets aged 12 to 17 years, our Cadet Saver account will have you and your savings looking good." ], "record_stale": true, "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/122", "source_snapshot": "/au/finance/savings-accounts/v1/source/defence-bank/122.json", "snapshot_at": "2026-10-22T13:24:46Z", "bank_last_updated": "2026-10-14T00:00:00.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.defencebank.com.au/banking/savings-accounts/cadet-saver/", "https://www.defencebank.com.au/globalassets/documents/rates-schedules/deposits/defence-bank-interest-rate-schedule---savings-and-investments.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf", "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-summary-of-accounts-and-access-facilities.pdf", "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/" ] } }, { "product_id": "117", "product_name": "iSaver", "product_label": "iSaver", "product_slug": "isaver", "page": "/au/finance/savings-accounts/accounts/defence-bank/isaver/", "product_url": "https://www.defencebank.com.au/banking/savings-accounts/isaver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/", "fees_url": "https://www.defencebank.com.au/banking/savings-accounts/isaver/", "eligibility_url": "https://www.defencebank.com.au/banking/savings-accounts/isaver/", "account_type": "savings", "segments": [ "personal", "smsf" ], "segment": "personal", "description": "An introductory bonus rate on new accounts for the first six months up to $250,000.", "bonus_is_total": null, "intro_is_total": true, "intro_is_bonus_rate": true, "intro_months": 6, "intro_conditions": [ "Interest is calculated daily on the closing balance and credited on the last day of each month. Bonus rate on new accounts for the first six months up to $250,…" ], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": 250000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.5, "intro_pct": 5.25, "base_pct": 0.5 }, "50000": { "ongoing_pct": 0.5, "intro_pct": 5.25, "base_pct": 0.5 }, "250000": { "ongoing_pct": 0.5, "intro_pct": 5.25, "base_pct": 0.5 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 10000, "rank": 65, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 67, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 67, "of": 79 }, { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 28, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 29, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 30, "of": 35 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": true, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "joint accounts" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "trustees of a self-managed superannuation fund. When you open a trust account we will ask you for a copy of the trust deed.", "url": "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf", "checked": "2026-11-06", "citation": { "quote": "trustees of a self-managed superannuation fund. When you open a trust account we will ask you for a copy of the trust deed.", "url": "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf#page=7", "page": 7, "document_sha256": "b9f928d9d132ecb725adf46f6449fb94adcf011f0cd94324cbdd2589fb92a3e9", "confirmed": "2026-11-13" }, "how": "on request" } ] }, "conditions": [ "rates confirmed on the bank's own page on 2026-10-30: 0.50% base plus a 4.75% introductory bonus for the first six months on balances up to $250,000, 5.25% in all", "One iSaver per member, including Joint accounts. New accounts do not include funds previously invested with Defence Bank.", "only one new iSaver account per membership, joint accounts included, gets the intro bonus", "the 4.75% intro bonus covers balances up to $250,000 only; above that the 0.50% base rate applies", "also open to self-managed super funds (SMSFs), on request: SMSF trustees can open it on request, and Defence Bank will ask for a copy of the trust deed; its Products and Services Conditions of Use, which govern this account, say \"Trust accounts can be opened on request.\" and list among them a trustee account held by \"trustees of a self-managed superannuation fund. When you open a trust account we will ask you for a copy of the trust deed.\"" ], "eligibility": [ "One iSaver per member, including Joint accounts. New accounts do not include funds previously invested with Defence Bank." ], "record_stale": false, "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/117", "source_snapshot": "/au/finance/savings-accounts/v1/source/defence-bank/117.json", "snapshot_at": "2026-10-22T13:24:46Z", "bank_last_updated": "2026-07-08T00:00:00.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.defencebank.com.au/banking/savings-accounts/isaver/", "https://www.defencebank.com.au/globalassets/documents/rates-schedules/deposits/defence-bank-interest-rate-schedule---savings-and-investments.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf", "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-summary-of-accounts-and-access-facilities.pdf", "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/" ] } }, { "product_id": "111", "product_name": "Kids Club Savings", "product_label": "Kids Club Savings", "product_slug": "kids-club-savings", "page": "/au/finance/savings-accounts/accounts/defence-bank/kids-club-savings/", "product_url": "https://www.defencebank.com.au/banking/savings-accounts/kids-club-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/", "fees_url": "https://www.defencebank.com.au/banking/savings-accounts/kids-club-account/", "eligibility_url": "https://www.defencebank.com.au/banking/savings-accounts/kids-club-account/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Defence Bank Kids Club savings account is the way to go for those aged 0-11 years.", "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": 5.25, "intro_pct": null, "base_pct": 5.25 }, "50000": { "ongoing_pct": 5.25, "intro_pct": null, "base_pct": 5.25 }, "250000": { "ongoing_pct": 5.25, "intro_pct": null, "base_pct": 5.25 } }, "rankings": [], "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": [ "High interest" ] }, "feature_tags": [ "unlimited transactions" ], "interest_paid": "annually", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": 11, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 11 and under", "level": "product", "quote": "MAX_AGE 11", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "for members aged 0 to 11; only a parent or legal guardian can open it", "level": "product", "quote": "Available to Defence Bank members aged 0 to 11 years. Account can only be opened by the parent or legal guardian.", "source": "https://www.defencebank.com.au/banking/savings-accounts/kids-club-account/", "citation": { "quote": "Available to Defence Bank members aged 0 to 11 years. Account can only be opened by the parent or legal guardian.", "url": "https://www.defencebank.com.au/banking/savings-accounts/kids-club-account/#:~:text=Available%20to%20Defence%20Bank%20members,the%20parent%20or%20legal%20guardian.", "document_sha256": "e75bc363ad00d30b0523e378b9d536fe912a9efcd309d4bfd402bdcfcac4756a", "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", "age 11 and under", "for members aged 0 to 11; only a parent or legal guardian can open it" ], "eligibility": [ "age 11 and under: The Defence Bank Kids Club account is the way to go for those aged 0-11 years." ], "record_stale": true, "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/111", "source_snapshot": "/au/finance/savings-accounts/v1/source/defence-bank/111.json", "snapshot_at": "2026-10-22T13:24:46Z", "bank_last_updated": "2026-10-14T00:00:00.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.defencebank.com.au/banking/savings-accounts/kids-club-account/", "https://www.defencebank.com.au/globalassets/documents/rates-schedules/deposits/defence-bank-interest-rate-schedule---savings-and-investments.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf", "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-summary-of-accounts-and-access-facilities.pdf", "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/" ] } }, { "product_id": "110", "product_name": "Max E Saver", "product_label": "Max E Saver", "product_slug": "max-e-saver", "page": "/au/finance/savings-accounts/accounts/defence-bank/max-e-saver/", "product_url": "https://www.defencebank.com.au/banking/savings-accounts/max-esaver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/", "fees_url": "https://www.defencebank.com.au/banking/savings-accounts/max-esaver/", "eligibility_url": "https://www.defencebank.com.au/banking/savings-accounts/max-esaver/", "account_type": "savings", "segments": [ "personal", "smsf" ], "segment": "personal", "description": "Max eSaver is a straightforward, fuss-free bonus savings option that simply does what it says: maximises your savings in an easy online 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": "no withdrawals" } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.3, "intro_pct": null, "base_pct": 0.1 }, "50000": { "ongoing_pct": 5.3, "intro_pct": null, "base_pct": 0.1 }, "250000": { "ongoing_pct": 5.3, "intro_pct": null, "base_pct": 0.1 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 30, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 30, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 24, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 37, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 37, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 32, "of": 79 }, { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 5, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 5, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 4, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 6, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 6, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 6, "of": 35 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "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": [ "PayTo" ] }, "feature_tags": [ "app", "Osko", "PayID", "PayTo", "BPAY" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "trustees of a self-managed superannuation fund. When you open a trust account we will ask you for a copy of the trust deed.", "url": "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf", "checked": "2026-11-06", "citation": { "quote": "trustees of a self-managed superannuation fund. When you open a trust account we will ask you for a copy of the trust deed.", "url": "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf#page=7", "page": 7, "document_sha256": "b9f928d9d132ecb725adf46f6449fb94adcf011f0cd94324cbdd2589fb92a3e9", "confirmed": "2026-11-13" }, "how": "on request" } ] }, "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", "no withdrawals in the month", "a deposit must be made in the month as well as no withdrawals to earn the bonus", "also open to self-managed super funds (SMSFs), on request: SMSF trustees can open it on request, and Defence Bank will ask for a copy of the trust deed; its Products and Services Conditions of Use, which govern this account, say \"Trust accounts can be opened on request.\" and list among them a trustee account held by \"trustees of a self-managed superannuation fund. When you open a trust account we will ask you for a copy of the trust deed.\"" ], "eligibility": [], "record_stale": true, "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/110", "source_snapshot": "/au/finance/savings-accounts/v1/source/defence-bank/110.json", "snapshot_at": "2026-10-22T13:24:46Z", "bank_last_updated": "2026-10-14T00:00:00.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.defencebank.com.au/banking/savings-accounts/max-esaver/", "https://www.defencebank.com.au/globalassets/documents/rates-schedules/deposits/defence-bank-interest-rate-schedule---savings-and-investments.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf", "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-summary-of-accounts-and-access-facilities.pdf", "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/" ] } }, { "product_id": "119", "product_name": "Salute Account", "product_label": "Salute Account", "product_slug": "salute-account", "page": "/au/finance/savings-accounts/accounts/defence-bank/salute-account/", "product_url": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/", "fees_url": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/", "eligibility_url": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Our Salute savings account rewards Australian Defence Force members who have been deployed, have reached 15 and 25 years of service or have transitioned with bonus interest for 12 months.", "bonus_is_total": null, "intro_is_total": true, "intro_is_bonus_rate": true, "intro_months": 12, "intro_conditions": [ "Bonus rate is the total rate payable for the first 12 months." ], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 4.0, "intro_pct": 5.75, "base_pct": 4.0 }, "50000": { "ongoing_pct": 4.0, "intro_pct": 5.75, "base_pct": 4.0 }, "250000": { "ongoing_pct": 4.0, "intro_pct": 5.75, "base_pct": 4.0 } }, "rankings": [ { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 27, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 24, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 14, "of": 91, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": true, "bpay": true, "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": [ "PayTo", "Rewards your service milestones" ] }, "feature_tags": [ "app", "Osko", "PayID", "PayTo", "BPAY", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "occupation_membership", "linked_account" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "Available to ADF members who are within 12 Months either side of milestones.", "level": "product", "quote": "Available to ADF members who are within 12 Months either side of milestones.", "source": "feed: eligibility OTHER" }, { "kind": "occupation", "who": "open only to members who have reached an ADF milestone (15 or 25 years, deployed, seagoing allowance, retired, resigned or medical discharge), once per milestone", "level": "product", "quote": "Product available only for members who meet an Australian Defence Force milestone (within 12 months) listed in our Defence Bank Product and Services - Condition of Use.", "source": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/", "citation": { "quote": "Product available only for members who meet an Australian Defence Force milestone (within 12 months) listed in our Defence Bank Product and Services - Condition of Use.", "url": "https://www.defencebank.com.au/banking/savings-accounts/salute-account/#:~:text=Product%20available%20only%20for%20members,Services%20%2D%20Condition%20of%20Use.", "document_sha256": "0bf246e8727e9322a666aa3b1993e8e3844fef738e95aa87d50cc8a5cb23965b", "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", "Available to ADF members who are within 12 Months either side of milestones.", "Product available only for members who meet a recognised ADF milestone.", "$1500 per month into your Everyday Access account.", "employment status condition: Our Salute account rewards those who have been deployed, have reached 15 and 25 years of service or have transitioned out with bon…", "open only to members who have reached an ADF milestone (15 or 25 years, deployed, seagoing allowance, retired, resigned or medical discharge), once per milestone", "bonus needs at least $1,500 a month deposited into an Everyday Access account", "the 1.75% bonus covers balances up to $250,000 only; above that the 4.00% base applies" ], "eligibility": [ "Available to ADF members who are within 12 Months either side of milestones.", "Product available only for members who meet a recognised ADF milestone.", "$1500 per month into your Everyday Access account.", "employment status condition: Our Salute account rewards those who have been deployed, have reached 15 and 25 years of service or have transitioned out with bonus interest for 12 months." ], "record_stale": true, "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/119", "source_snapshot": "/au/finance/savings-accounts/v1/source/defence-bank/119.json", "snapshot_at": "2026-10-22T13:24:46Z", "bank_last_updated": "2026-10-14T00:00:00.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.defencebank.com.au/banking/savings-accounts/salute-account/", "https://www.defencebank.com.au/globalassets/documents/rates-schedules/deposits/defence-bank-interest-rate-schedule---savings-and-investments.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf", "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-summary-of-accounts-and-access-facilities.pdf", "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/" ] } }, { "product_id": "123", "product_name": "Teen Saver", "product_label": "Teen Saver", "product_slug": "teen-saver", "page": "/au/finance/savings-accounts/accounts/defence-bank/teen-saver/", "product_url": "https://www.defencebank.com.au/banking/savings-accounts/teen-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/", "fees_url": "https://www.defencebank.com.au/banking/savings-accounts/teen-saver/", "eligibility_url": "https://www.defencebank.com.au/banking/savings-accounts/teen-saver/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "An everyday savings account for those aged 12-17 years with growing financial independence in mind.", "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": 5.25, "intro_pct": null, "base_pct": 5.25 }, "50000": { "ongoing_pct": 5.25, "intro_pct": null, "base_pct": 5.25 }, "250000": { "ongoing_pct": 5.25, "intro_pct": null, "base_pct": 5.25 } }, "rankings": [], "features": { "card_access": true, "card": "Set your own Pin", "digital_wallets": [ "Compatible with digital wallets from Apple, Garmin, Google and Samsung.", "Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. This removes the stress and inconvenience of having to wait until the physical card arrives to access funds." ], "osko": true, "payid": true, "payto": true, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Higher rate of return", "Lock & Block", "Bank@Post", "PayTo" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "notifications", "unlimited transactions", "wallets: Compatible with digital wallets from Apple, Garmin, Google and Samsung., Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. This removes the stress and inconvenience of having to wait until the physical card arrives to access funds." ], "interest_paid": "annually", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "fees_without_amount": [ "Visa foreign currency conversion fee" ], "age_min": 12, "age_max": 17, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 17 and under", "level": "product", "quote": "MAX_AGE 17", "source": "feed: eligibility MAX_AGE" } ], "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", "ages 12 to 17", "age 17 and under: Teen Saver is a great option for those aged 12-17 years with growing financial independence in mind." ], "eligibility": [ "age 17 and under: Teen Saver is a great option for those aged 12-17 years with growing financial independence in mind." ], "record_stale": true, "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/123", "source_snapshot": "/au/finance/savings-accounts/v1/source/defence-bank/123.json", "snapshot_at": "2026-10-22T13:24:46Z", "bank_last_updated": "2026-10-14T00:00:00.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.defencebank.com.au/banking/savings-accounts/teen-saver/", "https://www.defencebank.com.au/globalassets/documents/rates-schedules/deposits/defence-bank-interest-rate-schedule---savings-and-investments.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf", "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf", "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-summary-of-accounts-and-access-facilities.pdf", "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/" ] } }, { "product_id": "153", "product_name": "Everyday Access", "product_label": "Everyday Access", "product_slug": "everyday-access", "page": "/au/finance/savings-accounts/accounts/defence-bank/everyday-access/", "product_url": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/", "fees_url": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/", "eligibility_url": "https://www.defencebank.com.au/banking/transaction-accounts/everyday-access/", "account_type": "transaction", "segments": [ "personal", "smsf" ], "segment": "personal", "description": "Your on-the-go transaction account, the Everyday Access account is the way to managing your day-to-day banking.", "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": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": "Select your own Pin", "digital_wallets": [ "Compatible with digital wallets from Apple, Garmin, Google and Samsung.", "Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. This removes the stress and inconvenience of having to wait until the physical card arrives to access funds." ], "osko": true, "payid": true, "payto": true, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": true, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Choose to report your card as lost or stolen or block it temporarily.", "Round Ups", "Bank@Post", "PayTo", "No monthly fees." ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "notifications", "unlimited transactions", "round-ups", "wallets: Compatible with digital wallets from Apple, Garmin, Google and Samsung., Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. This removes the stress and inconvenience of having to wait until the physical card arrives to access funds." ], "interest_paid": "annually", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "fees_without_amount": [ "Visa foreign currency conversion fee" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "trustees of a self-managed superannuation fund. When you open a trust account we will ask you for a copy of the trust deed.", "url": "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf", "checked": "2026-11-06", "citation": { "quote": "trustees of a self-managed superannuation fund. When you open a trust account we will ask you for a copy of the trust deed.", "url": "https://www.defencebank.com.au/globalassets/documents/legal--compliance/disclosure-documents/defence-bank-products-and-services-conditions-of-use.pdf#page=7", "page": 7, "document_sha256": "b9f928d9d132ecb725adf46f6449fb94adcf011f0cd94324cbdd2589fb92a3e9", "confirmed": "2026-11-13" }, "how": "on request" } ] }, "conditions": [ "not updated by the bank since 2026-03-16, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "also open to self-managed super funds (SMSFs), on request: SMSF trustees can open it on request, and Defence Bank will ask for a copy of the trust deed; its Products and Services Conditions of Use, which govern this account, say \"Trust accounts can be opened on request.\" and list among them a trustee account held by \"trustees of a self-managed superannuation fund. When you open a trust account we will ask you for a copy of the trust deed.\"" ], "eligibility": [], "record_stale": true, "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/153", "source_snapshot": "/au/finance/savings-accounts/v1/source/defence-bank/153.json", "snapshot_at": "2026-10-22T13:24:46Z", "bank_last_updated": "2026-03-16T00:00:00.000+11:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "152", "product_name": "Home Loan Offset account", "product_label": "Home Loan Offset Account", "product_slug": "home-loan-offset-account", "page": null, "product_url": "https://www.defencebank.com.au/banking/offset-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/", "fees_url": "https://www.defencebank.com.au/banking/offset-account/", "eligibility_url": "https://www.defencebank.com.au/banking/offset-account/", "account_type": "offset", "segments": [ "personal" ], "segment": "personal", "description": "For whatever you need, for whatever’s ahead, the Home Loan Offset account is the way to manage your day-to-day banking while reducing the interest payable on your home loan.", "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": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": "Access to more than 7,000 free ATMs including Defence Bank…", "digital_wallets": [ "Compatible with digital wallets from Apple, Garmin, Google and Samsung.", "Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. This removes the stress and inconvenience of having to wait until the physical card arrives to access funds." ], "osko": true, "payid": true, "payto": true, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": true, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Bank@Post", "No monthly fees.", "Choose to report your card as lost or stolen or block it temporarily.", "Round Ups", "PayTo" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "notifications", "unlimited transactions", "round-ups", "wallets: Compatible with digital wallets from Apple, Garmin, Google and Samsung., Replace lost or stolen cards immediately. Using Quick Cards, Members can order a replacement card within the app and be issued with a virtual card that they can add to their digital wallet and use immediately. 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