{ "brand": "Gateway Bank", "brand_label": "Gateway Bank", "brand_slug": "gateway-bank", "legal_entity_abn": "47087650093", "public_base_uri": "https://public.cdr-api.gatewaybank.com.au", "logo_uri": "https://www.gatewaybank.com.au/media/ocrjwsze/gway-logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-13T00:00:31Z", "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":4.6,"base_rate_pct":0.1,"bonus_rate_pct":4.5,"intro_rate_pct":null,"intro_months":null,"product_label":"Goal Saver","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":true}, {"segment":"personal","kind":"intro","rate_pct":4.6,"base_rate_pct":0.1,"bonus_rate_pct":4.5,"intro_rate_pct":null,"intro_months":null,"product_label":"Goal Saver","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":true}, {"segment":"personal","kind":"base","rate_pct":4.2,"base_rate_pct":4.2,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"eMax Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":4.65,"base_rate_pct":4.65,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":4.65,"base_rate_pct":4.65,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":4.65,"base_rate_pct":4.65,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":3.25,"base_rate_pct":3.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Community Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["organisation_only"],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":3.25,"base_rate_pct":3.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Community Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["organisation_only"],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":3.25,"base_rate_pct":3.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Community Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["organisation_only"],"record_stale":true} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "grow the balance by $250 or more each month", "bonus interest applies only to balances up to $100,000", "month-end balance must be at least $250 higher than the balance on the first day of the month, not counting interest" ], "k2": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "k3": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "the feed lists several base rates for one balance; the lowest is shown, up to 4.65%" ], "k4": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "for not-for-profits and community organisations" ] }, "unranked": { "products": 14, "offset_account": 12, "transaction_account": 2 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "4", "product_name": "Christmas Club", "product_label": "Christmas Club", "product_slug": "christmas-club", "page": "/au/finance/savings-accounts/accounts/gateway-bank/christmas-club/", "product_url": "https://www.gatewaybank.com.au/banking/savings-accounts/christmas-club-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.gatewaybank.com.au/important-information", "fees_url": "https://www.gatewaybank.com.au/media/4lwjloxy/fees-and-charges-and-transaction-limits.pdf", "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": 3.25, "intro_pct": null, "base_pct": 3.25 }, "50000": { "ongoing_pct": 3.25, "intro_pct": null, "base_pct": 3.25 }, "250000": { "ongoing_pct": 3.25, "intro_pct": null, "base_pct": 3.25 } }, "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": [] }, "feature_tags": [ "app", "unlimited transactions" ], "interest_paid": "annually", "interest_calculated": "daily", "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": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a Christmas club account: withdrawals are restricted for most of the year", "withdrawals only from 1 November to 31 January each year" ], "eligibility": [], "record_stale": true, "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/4", "source_snapshot": "/au/finance/savings-accounts/v1/source/gateway-bank/4.json", "snapshot_at": "2026-10-22T13:24:56Z", "bank_last_updated": "2026-10-13T00:00:31.4845168Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.gatewaybank.com.au/banking/savings-accounts/christmas-club-account/", "https://www.gatewaybank.com.au/rates-fees/savings-account-interest-rates/", "https://www.gatewaybank.com.au/media/4lwjloxy/fees-and-charges-and-transaction-limits.pdf", "https://www.gatewaybank.com.au/media/n41huj1g/gateway-summary-of-deposit-accounts-availability-of-access-facilities.pdf", "https://www.gatewaybank.com.au/media/2remonzt/christmas-club-account.pdf" ] } }, { "product_id": "213", "product_name": "Community Account", "product_label": "Community Account", "product_slug": "community-account", "page": "/au/finance/savings-accounts/accounts/gateway-bank/community-account/", "product_url": "https://www.gatewaybank.com.au/banking/savings-accounts/community-transaction-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.gatewaybank.com.au/important-information", "fees_url": "https://www.gatewaybank.com.au/media/4lwjloxy/fees-and-charges-and-transaction-limits.pdf", "eligibility_url": null, "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "Community 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": { "ongoing_pct": 3.25, "intro_pct": null, "base_pct": 3.25 }, "50000": { "ongoing_pct": 3.25, "intro_pct": null, "base_pct": 3.25 }, "250000": { "ongoing_pct": 3.25, "intro_pct": null, "base_pct": 3.25 } }, "rankings": [ { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 15, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 17, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 17, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 16, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 19, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 19, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 13, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 15, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 15, "of": 50, "hidden_by_default": true } ], "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": [] }, "feature_tags": [ "app", "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": [ "organisation_only" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "organisation", "who": "for not-for-profits and community organisations", "level": "product", "quote": "Banking made easy with a transaction account designed for not-for-profits and community organisations.", "source": "https://www.gatewaybank.com.au/banking/savings-accounts/community-transaction-account/", "citation": { "quote": "Banking made easy with a transaction account designed for not-for-profits and community organisations.", "url": "https://www.gatewaybank.com.au/banking/savings-accounts/community-transaction-account/#:~:text=Banking%20made%20easy%20with%20a,for%20not%2Dfor%2Dprofits%20and%20community%20organisations.", "document_sha256": "7f7a74688fcd5f00b26f5c5512681880b381da9a9ae065ae6a9a2b2ce4e6c4c6", "confirmed": "2026-11-06" } } ], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "for not-for-profits and community organisations" ], "eligibility": [], "record_stale": true, "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/213", "source_snapshot": "/au/finance/savings-accounts/v1/source/gateway-bank/213.json", "snapshot_at": "2026-10-22T13:24:56Z", "bank_last_updated": "2026-10-13T00:00:31.4845168Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.gatewaybank.com.au/banking/savings-accounts/community-transaction-account/", "https://www.gatewaybank.com.au/rates-fees/savings-account-interest-rates" ] } }, { "product_id": "5", "product_name": "Dollaroo Junior Savers", "product_label": "Dollaroo Junior Savers", "product_slug": "dollaroo-junior-savers", "page": "/au/finance/savings-accounts/accounts/gateway-bank/dollaroo-junior-savers/", "product_url": "https://www.gatewaybank.com.au/banking/kids-banking/dollaroo-kids-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.gatewaybank.com.au/important-information", "fees_url": "https://www.gatewaybank.com.au/media/4lwjloxy/fees-and-charges-and-transaction-limits.pdf", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Dollaroo Junior Savers", "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": 4.0, "intro_pct": null, "base_pct": 4.0 }, "50000": { "ongoing_pct": 4.0, "intro_pct": null, "base_pct": 4.0 }, "250000": { "ongoing_pct": 4.0, "intro_pct": null, "base_pct": 4.0 } }, "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": [] }, "feature_tags": [ "app", "unlimited transactions" ], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": 16, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 16 and under", "level": "product", "quote": "MAX_AGE 16", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "for children under 16; a parent or guardian controls it, and at 16 it converts to an Edge Transaction Account", "level": "product", "quote": "The Dollaroo Account, our specialty kids account designed for children under the age of 16*, is a great place to start your kid’s savings journey.", "source": "https://www.gatewaybank.com.au/banking/kids-banking/dollaroo-kids-account/", "citation": { "quote": "The Dollaroo Account, our specialty kids account designed for children under the age of 16*, is a great place to start your kid’s savings journey.", "url": "https://www.gatewaybank.com.au/banking/kids-banking/dollaroo-kids-account/#:~:text=The%20Dollaroo%20Account%2C%20our%20specialty,start%20your%20kid%E2%80%99s%20savings%20journey.", "document_sha256": "98f9141e9ddf56199103f05766382158597c106f4f4d2cad95f28182d0ab5fa9", "confirmed": "2026-11-07" } } ], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "age 16 and under", "for children under 16; a parent or guardian controls it, and at 16 it converts to an Edge Transaction Account" ], "eligibility": [ "age 16 and under" ], "record_stale": true, "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/5", "source_snapshot": "/au/finance/savings-accounts/v1/source/gateway-bank/5.json", "snapshot_at": "2026-10-22T13:24:56Z", "bank_last_updated": "2026-10-13T00:00:31.4845168Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.gatewaybank.com.au/banking/kids-banking/dollaroo-kids-account/", "https://www.gatewaybank.com.au/rates-fees/savings-account-interest-rates/", "https://www.gatewaybank.com.au/media/4lwjloxy/fees-and-charges-and-transaction-limits.pdf", "https://www.gatewaybank.com.au/media/n41huj1g/gateway-summary-of-deposit-accounts-availability-of-access-facilities.pdf", "https://www.gatewaybank.com.au/media/cpoekpt0/2018_03_01-dollaroo-savings-account.pdf" ] } }, { "product_id": "2", "product_name": "eMax Saver Account", "product_label": "eMax Saver 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"ongoing_pct": 4.2, "intro_pct": null, "base_pct": 4.2 }, "250000": { "ongoing_pct": 4.2, "intro_pct": null, "base_pct": 4.2 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 10000, "rank": 20, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 22, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 23, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "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": [] }, "feature_tags": [ "app", "BPAY" ], "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": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "eligibility": [], "record_stale": true, "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/2", "source_snapshot": "/au/finance/savings-accounts/v1/source/gateway-bank/2.json", "snapshot_at": "2026-10-22T13:24:56Z", "bank_last_updated": "2026-10-13T00:00:31.4845168Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.gatewaybank.com.au/banking/savings-accounts/emax-saver/", "https://www.gatewaybank.com.au/rates-fees/savings-account-interest-rates/", "https://www.gatewaybank.com.au/media/4lwjloxy/fees-and-charges-and-transaction-limits.pdf", 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