{
  "brand": "Dnister",
  "brand_label": "Dnister",
  "brand_slug": "dnister",
  "legal_entity_abn": "59087651394",
  "public_base_uri": "https://public.cdr-api.dnister.com.au",
  "logo_uri": "https://www.dnister.com.au/wp-content/uploads/2026/03/DnisterLogo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-13T00:00:38Z",
  "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":5.25,"base_rate_pct":0.05,"bonus_rate_pct":5.2,"intro_rate_pct":0.1,"intro_months":null,"product_label":"Max Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":1000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":5.35,"base_rate_pct":0.05,"bonus_rate_pct":5.2,"intro_rate_pct":0.1,"intro_months":null,"product_label":"Max Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":1000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":0.05,"base_rate_pct":0.05,"bonus_rate_pct":5.1,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus 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":0.05,"bonus_rate_pct":5.1,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus 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":"intro","rate_pct":5.15,"base_rate_pct":0.05,"bonus_rate_pct":5.1,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus 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":"base","rate_pct":0.05,"base_rate_pct":0.05,"bonus_rate_pct":5.1,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus 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}
    ],
    "condition_sets": {
      "k1": [
        "deposit $1,500 or more each month",
        "This product is only available for personal accounts with a limit of one account per member.",
        "bonus needs a deposit of $1,500 or more in the month, no more than 4 withdrawals and no more than $1,000 withdrawn in total",
        "the extra 0.10% introductory rate lasts one month from account opening",
        "personal accounts only, one account per member"
      ],
      "k2": [
        "deposit $20 or more each month",
        "no withdrawals in the month",
        "open to Dnister members; no other account is required",
        "also open to self-managed super funds (SMSFs), on request: SMSF trustees can open it on request, and Dnister may ask for the trust deed; its PDS (page 19, Trust Accounts), which governs this account, says \"Trust accounts can be opened on request: ... By trustees of a superannuation fund\" and \"we may require you to present an original Trust Deed, Will or other instrument confirming the basis for operation of the account.\""
      ]
    },
    "unranked": {
      "products": 5,
      "transaction_account": 3,
      "no_rate": 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": "18",
      "product_name": "Bonus Saver",
      "product_label": "Bonus Saver",
      "product_slug": "bonus-saver",
      "page": "/au/finance/savings-accounts/accounts/dnister/bonus-saver/",
      "product_url": "https://www.dnister.com.au/portfolio-items/bonus-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf",
      "fees_url": "https://www.dnister.com.au/fees-and-charges/",
      "eligibility_url": "https://www.dnister.com.au/portfolio-items/bonus-saver",
      "account_type": "savings",
      "segments": [
        "personal",
        "smsf"
      ],
      "segment": "personal",
      "description": "Be rewarded for saving!",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "min_monthly_deposit",
          "value": 20,
          "text": "Deposit $20.00"
        },
        {
          "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": 5.15,
          "intro_pct": null,
          "base_pct": 0.05
        },
        "50000": {
          "ongoing_pct": 5.15,
          "intro_pct": null,
          "base_pct": 0.05
        },
        "250000": {
          "ongoing_pct": 5.15,
          "intro_pct": null,
          "base_pct": 0.05
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 73,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 74,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 74,
          "of": 79
        },
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 7,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 7,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 6,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 10000,
          "rank": 8,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 50000,
          "rank": 8,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 250000,
          "rank": 8,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 10000,
          "rank": 33,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 50000,
          "rank": 34,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 250000,
          "rank": 34,
          "of": 35
        }
      ],
      "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": true,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "unlimited transactions",
        "linked account required"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "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,
        "open_to": [
          {
            "segment": "smsf",
            "who": "self-managed super funds (SMSFs)",
            "quote": "Trust accounts can be opened on request: Where one or more persons open an account in which they are named as trustee for another person(s). For example, a trustee account held by parents for children; or By trustees under a will; or By trustees of a superannuation fund; or",
            "url": "https://www.dnister.com.au/wp-content/uploads/2026/04/PDS-FSG-Update-Rebrand-23-March-2026-.pdf",
            "checked": "2026-11-06",
            "citation": {
              "quote": "Trust accounts can be opened on request: Where one or more persons open an account in which they are named as trustee for another person(s). For example, a trustee account held by parents for children; or By trustees under a will; or By trustees of a superannuation fund; or",
              "url": "https://www.dnister.com.au/wp-content/uploads/2026/04/PDS-FSG-Update-Rebrand-23-March-2026-.pdf#page=19",
              "page": 19,
              "document_sha256": "e4cc22392afac98e86ca4236f39bc1d10e7d8b021af0665d479c457dd48f5372",
              "confirmed": "2026-11-13"
            },
            "how": "on request"
          }
        ]
      },
      "conditions": [
        "deposit $20 or more each month",
        "no withdrawals in the month",
        "open to Dnister members; no other account is required",
        "also open to self-managed super funds (SMSFs), on request: SMSF trustees can open it on request, and Dnister may ask for the trust deed; its PDS (page 19, Trust Accounts), which governs this account, says \"Trust accounts can be opened on request: ... By trustees of a superannuation fund\" and \"we may require you to present an original Trust Deed, Will or other instrument confirming the basis for operation of the account.\""
      ],
      "eligibility": [],
      "record_stale": false,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/18",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/dnister/18.json",
      "snapshot_at": "2026-11-13T01:41:39Z",
      "bank_last_updated": "2026-11-13T00:00:38.9826984Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.dnister.com.au/portfolio-items/bonus-saver/",
          "https://www.dnister.com.au/interest-rates/",
          "https://www.dnister.com.au/wp-content/uploads/2026/10/2026-10-15-Savings-and-Transactional-accounts-Interest-Rates-Schedule.pdf",
          "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf",
          "https://www.dnister.com.au/fees-and-charges/"
        ]
      }
    },
    {
      "product_id": "31",
      "product_name": "Max Saver",
      "product_label": "Max Saver",
      "product_slug": "max-saver",
      "page": "/au/finance/savings-accounts/accounts/dnister/max-saver/",
      "product_url": "https://www.dnister.com.au/portfolio-items/max-saver/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf",
      "fees_url": "https://www.dnister.com.au/fees-and-charges/",
      "eligibility_url": "https://www.dnister.com.au/portfolio-items/max-saver/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Maximise your savings!",
      "bonus_is_total": false,
      "intro_is_total": false,
      "intro_is_bonus_rate": false,
      "intro_months": null,
      "intro_conditions": [
        "The Introductory Rate applies for a period of one month upon account opening."
      ],
      "bonus_conditions": [
        {
          "type": "min_monthly_deposit",
          "value": 1500,
          "text": "deposit $1,500"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": 1000000,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 5.25,
          "intro_pct": 5.35,
          "base_pct": 0.05
        },
        "50000": {
          "ongoing_pct": 5.25,
          "intro_pct": 5.35,
          "base_pct": 0.05
        },
        "250000": {
          "ongoing_pct": 5.25,
          "intro_pct": 5.35,
          "base_pct": 0.05
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 35,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 35,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 29,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 33,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 34,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 29,
          "of": 79
        }
      ],
      "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": true,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "BPAY",
        "linked account required"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
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      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
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        "This product is only available for personal accounts with a limit of one account per member.",
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        "the extra 0.10% introductory rate lasts one month from account opening",
        "personal accounts only, one account per member"
      ],
      "eligibility": [
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      ],
      "record_stale": false,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/31",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/dnister/31.json",
      "snapshot_at": "2026-11-13T01:41:39Z",
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      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
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          "https://www.dnister.com.au/fees-and-charges/"
        ]
      }
    },
    {
      "product_id": "15",
      "product_name": "My Community Saver",
      "product_label": "My Community Saver",
      "product_slug": "my-community-saver",
      "page": "/au/finance/savings-accounts/accounts/dnister/my-community-saver/",
      "product_url": "https://www.dnister.com.au/portfolio-items/community-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf",
      "fees_url": "https://www.dnister.com.au/fees-and-charges/",
      "eligibility_url": "https://www.dnister.com.au/portfolio-items/community-saver",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A great, high interest earning savings account that has been designed with our community conscious members in mind.",
      "bonus_is_total": true,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "other",
          "value": null,
          "text": "Dnister pays a contribution based on the applicable interest rate and daily balance of a My Community Saver Account. This contribution is paid into the nominated eligible community organisation's Community Access Account. Dnister Benefit Contribution"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
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          "intro_pct": null,
          "base_pct": 0.0
        },
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          "intro_pct": null,
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        },
        "250000": {
          "ongoing_pct": 0.77,
          "intro_pct": null,
          "base_pct": 0.0
        }
      },
      "rankings": [],
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        "digital_wallets": [],
        "osko": true,
        "payid": true,
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        "linked_account_required": true,
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        "joint": null,
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        "other": []
      },
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        "Osko",
        "PayID",
        "linked account required"
      ],
      "interest_paid": "annually",
      "interest_calculated": "daily",
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      "restrictions": [
        "linked_account"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "Dnister pays a contribution based on the applicable interest rate and daily balance of a My Community Saver Account. This contribution is paid into the nominat…",
        "This product is only available to members who are registered for Online Banking.",
        "the 0.92% Dnister Benefit Contribution goes to the nominated community group, not to the account holder",
        "open to Dnister members registered for online banking"
      ],
      "eligibility": [
        "This product is only available to members who are registered for Online Banking."
      ],
      "record_stale": false,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/dnister/15.json",
      "snapshot_at": "2026-11-13T01:41:39Z",
      "bank_last_updated": "2026-11-13T00:00:38.9826984Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
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          "https://www.dnister.com.au/wp-content/uploads/2026/10/2026-10-15-Savings-and-Transactional-accounts-Interest-Rates-Schedule.pdf",
          "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf",
          "https://www.dnister.com.au/fees-and-charges/"
        ]
      }
    },
    {
      "product_id": "30",
      "product_name": "Pensioner Savings",
      "product_label": "Pensioner Savings",
      "product_slug": "pensioner-savings",
      "page": "/au/finance/savings-accounts/accounts/dnister/pensioner-savings/",
      "product_url": "https://www.dnister.com.au/portfolio-items/pensioner-savings",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf",
      "fees_url": "https://www.dnister.com.au/fees-and-charges/",
      "eligibility_url": "https://www.dnister.com.au/portfolio-items/pensioner-savings",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Everyday account tailored for Seniors.",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
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