{ "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "legal_entity_abn": "95087650735", "public_base_uri": "https://internetbanking.firstoption.com.au/OpenBanking", "logo_uri": "https://firstoptionbank.com.au/wp-content/uploads/2022/03/Website.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-11T01:02:48Z", "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":3.53,"base_rate_pct":3.53,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Save Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"intro","rate_pct":3.53,"base_rate_pct":3.53,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Save Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":3.53,"base_rate_pct":3.53,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Save Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"ongoing","rate_pct":0.98,"base_rate_pct":0.98,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Super Cash Hub","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"intro","rate_pct":0.98,"base_rate_pct":0.98,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Super Cash Hub","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"base","rate_pct":0.98,"base_rate_pct":0.98,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Super Cash Hub","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"business","kind":"ongoing","rate_pct":0.74,"base_rate_pct":0.74,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Cash Hub","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":false}, {"segment":"business","kind":"intro","rate_pct":0.74,"base_rate_pct":0.74,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Cash Hub","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":false}, {"segment":"business","kind":"base","rate_pct":0.74,"base_rate_pct":0.74,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Cash Hub","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "introductory 4-month rate is for new accounts only", "a monthly membership fee applies unless the member has a $1,000 balance, a loan or credit card, is 25 or under, or is in the first 3 months", "you must be eligible to join First Option Bank as a member (by employer or industry, family relation of a member, former member or board-approved affinity) before opening" ], "k2": [ "for self-managed super funds (individual or corporate trustee), not general business use", "you must be eligible to join First Option Bank as a member (by employer or industry, family relation of a member, former member or board-approved affinity) before opening" ], "k3": [ "needs a First Option business membership", "you must be eligible to join First Option Bank as a member (by employer or industry, family relation of a member, former member or board-approved affinity) before opening" ] }, "unranked": { "products": 4, "transaction_account": 2, "other_product": 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": "BONUS_SAVER", "product_name": "Bonus Saver", "product_label": "Bonus Saver", "product_slug": "bonus-saver", "page": "/au/finance/savings-accounts/accounts/first-option-bank/bonus-saver/", "product_url": "https://firstoptionbank.com.au/accounts/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://firstoptionbank.com.au/disclosure-statements/", "fees_url": "https://firstoptionbank.com.au/disclosure-statements/", "eligibility_url": "https://firstoptionbank.com.au/disclosure-statements/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Bonus Saver Account", "bonus_is_total": false, "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": 3.55, "intro_pct": null, "base_pct": 0.05 }, "50000": { "ongoing_pct": 3.55, "intro_pct": null, "base_pct": 0.05 }, "250000": { "ongoing_pct": 3.55, "intro_pct": null, "base_pct": 0.05 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "Osko", "PayID", "notifications" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 16, "age_max": null, "restrictions": [ "existing_customers" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "existing_customers", "who": "legacy account, closed to new members; only existing members hold it", "level": "product", "quote": "No longer available for sale", "source": "https://firstoptionbank.com.au/wp-content/uploads/2026/10/Deposit-Account-Interest-Rates-October-2026.pdf", "citation": { "quote": "No longer available for sale", "url": "https://firstoptionbank.com.au/wp-content/uploads/2026/10/Deposit-Account-Interest-Rates-October-2026.pdf#page=4", "page": 4, "document_sha256": "41e20fa5753820beb251da8747b65e8051b9048d4be050c42ddb4441236e65cf", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "bonus conditions not stated in the feed", "legacy account, closed to new members; only existing members hold it", "bonus rate needs a deposit of at least $100 and no withdrawals in the month; otherwise 0.05%", "you must be eligible to join First Option Bank as a member (by employer or industry, family relation of a member, former member or board-approved affinity) before opening" ], "eligibility": [ "residency: 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