{ "brand": "Geelong Bank", "brand_label": "Geelong Bank", "brand_slug": "geelong-bank", "legal_entity_abn": "85051868556", "public_base_uri": "https://online.geelongbank.com.au/OpenBanking", "logo_uri": "https://geelongbank.com.au/media/2007/geelongbank_logotag_horizontal.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-04T21:51:23Z", "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":3.75,"base_rate_pct":3.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Club Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club","linked_account"],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":3.75,"base_rate_pct":3.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Club Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club","linked_account"],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":3.75,"base_rate_pct":3.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Club Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club","linked_account"],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":4.45,"base_rate_pct":4.45,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Superfund Maximiser","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":"intro","rate_pct":4.45,"base_rate_pct":4.45,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Superfund Maximiser","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":"base","rate_pct":4.45,"base_rate_pct":4.45,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Superfund Maximiser","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} ], "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", "a Christmas club account: withdrawals are restricted for most of the year", "You must be a member and resident of Australia", "you must also hold a Geelong Bank at-call transaction account when you open it", "funds can only be withdrawn from 1 November to 31 January; one withdrawal a year outside that window is allowed without penalty" ], "k2": [ "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", "You must be a member and resident of Australia", "for self-managed super funds only; a trust deed is required" ] }, "unranked": { "products": 3, "offset_account": 1, "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": "S55", "product_name": "Achieve Saver", "product_label": "Achieve Saver", "product_slug": "achieve-saver", "page": "/au/finance/savings-accounts/accounts/geelong-bank/achieve-saver/", "product_url": "https://geelongbank.com.au/savings-loans/savings-investment-accounts/achieve-savers-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://geelongbank.com.au/about-us/disclosures-publications/", "fees_url": "https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-interest-rates/", "eligibility_url": "https://geelongbank.com.au/about-us/why-join-geelong-bank/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "This account is ideal for the short term investor and includes bonus interest", "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": 250000, "min_balance": 1, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 2.28, "intro_pct": null, "base_pct": 0.68 }, "50000": { "ongoing_pct": 2.82, "intro_pct": null, "base_pct": 1.22 }, "250000": { "ongoing_pct": 2.92, "intro_pct": null, "base_pct": 1.32 } }, "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": [ "Bonus interest earned for each month if you make no withdrawals and the account has a dep…", "One free cash withdrawl per month then $2 every subsequent withdrawl", "eStatements available", "One free internal debit transfer per month then $2 every subsequent debit transfer", "No monthly access fee." ] }, "feature_tags": [ "app", "Osko", "PayID", "notifications" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 18, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-01, 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", "bonus needs a deposit of at least $50 in the calendar month; one withdrawal a month is allowed; bonus paid on up to $250,000", "members aged 18 years or over" ], "eligibility": [ "residency: Individuals must be citizens or permanent residents of Australia." ], "record_stale": true, "source_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/S55", "source_snapshot": "/au/finance/savings-accounts/v1/source/geelong-bank/S55.json", "snapshot_at": "2026-10-22T13:24:56Z", "bank_last_updated": "2026-10-01T10:51:11.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 3, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://geelongbank.com.au/savings-loans/savings-investment-accounts/achieve-savers-account/", "https://geelongbank.com.au/media/2964/interest-rates-14-oct-2026.pdf", "https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-interest-rates/", "https://geelongbank.com.au/media/3165/fees-and-charges-20-may-2026.pdf", "https://geelongbank.com.au/media/2939/accounts-access-facilities-01-may-2026.pdf", "https://geelongbank.com.au/about-us/why-join-geelong-bank/" ] } }, { "product_id": "S8", "product_name": "Affinity Savers", "product_label": "Affinity Savers", "product_slug": "affinity-savers", "page": "/au/finance/savings-accounts/accounts/geelong-bank/affinity-savers/", "product_url": "https://geelongbank.com.au/savings-loans/home-loans/affinity-home-loan/affinity-saver-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://geelongbank.com.au/about-us/disclosures-publications/", "fees_url": "https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-interest-rates/", "eligibility_url": "https://geelongbank.com.au/about-us/why-join-geelong-bank/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Earn interest with this everyday transaction 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": 2000, "max_balance": 100000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 3.48, "intro_pct": null, "base_pct": 3.48 }, "50000": { "ongoing_pct": 4.18, "intro_pct": null, "base_pct": 4.18 }, "250000": null }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 77, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 79, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 35, "of": 91, "hidden_by_default": true } ], "features": { "card_access": true, "card": "Visa Debit Card", "digital_wallets": [ "Apple Pay", "Google Pay" ], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Our sweep service automatically transfers funds from certain savings accounts to cover mo…", "No monthly access fee.", "Earn interest for balances $2,000 and over.", "No minimum balance.", "Salary must be deposited into Affinity Saver", "eStatements available" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "notifications", "wallets: Apple Pay, Google Pay" ], "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", "region_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "region", "who": "you must live or work in the Greater Geelong or Surf Coast regions, or be referred by an existing Geelong Bank customer", "level": "product", "quote": "The Affinity Saver is available as part of the Affinity package when either an Affinity Home Loan or an Affinity Car Loan has been approved, if you live or work in the Greater Geelong or Surf Coast regions or have been referred by an existing Geelong Bank customer.", "source": "https://geelongbank.com.au/savings-loans/home-loans/affinity-home-loan/affinity-saver-account/", "citation": { "quote": "The Affinity Saver is available as part of the Affinity package when either an Affinity Home Loan or an Affinity Car Loan has been approved, if you live or work in the Greater Geelong or Surf Coast regions or have been referred by an existing Geelong Bank customer.", "url": "https://geelongbank.com.au/savings-loans/home-loans/affinity-home-loan/affinity-saver-account/#:~:text=The%20Affinity%20Saver%20is%20available,an%20existing%20Geelong%20Bank%20customer.", "document_sha256": "bf066d219211afb78a30ff41f1a9d152f36794e024060983a584c7f6b0c30135", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "You must be a member and resident of Australia", "This account must receive your whole of pay", "only available as part of the Affinity package once an Affinity home loan or car loan is approved", "you must live or work in the Greater Geelong or Surf Coast 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"https://geelongbank.com.au/media/3165/fees-and-charges-20-may-2026.pdf", "https://geelongbank.com.au/media/2939/accounts-access-facilities-01-may-2026.pdf", "https://geelongbank.com.au/about-us/why-join-geelong-bank/" ] } }, { "product_id": "S2", "product_name": "Christmas Club Account", "product_label": "Christmas Club Account", "product_slug": "christmas-club-account", "page": "/au/finance/savings-accounts/accounts/geelong-bank/christmas-club-account/", "product_url": "https://geelongbank.com.au/savings-loans/savings-investment-accounts/early-bird-christmas-club-account/", "rate_correction": null, "interest_paid_correction": { "quote": "Interest calculated daily and paid annually", "url": "https://geelongbank.com.au/savings-loans/savings-investment-accounts/early-bird-christmas-club-account/", "checked": "2026-11-01", "citation": { "quote": "Interest calculated daily and paid annually", "url": "https://geelongbank.com.au/savings-loans/savings-investment-accounts/early-bird-christmas-club-account/#:~:text=Interest%20calculated%20daily%20and%20paid%20annually", "document_sha256": "ab42de0f973fdb4ede8586e37976f976d175ad184150653f77c1ef059e84b2bf", "confirmed": "2026-11-13" } }, "min_balance_correction": null, "terms_url": "https://geelongbank.com.au/about-us/disclosures-publications/", "fees_url": "https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-interest-rates/", "eligibility_url": "https://geelongbank.com.au/about-us/why-join-geelong-bank/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "A Christmas Club account is a great way to save for Christmas", "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": 1, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 3.75, "intro_pct": null, "base_pct": 3.75 }, "50000": { "ongoing_pct": 3.75, "intro_pct": null, "base_pct": 3.75 }, "250000": { "ongoing_pct": 3.75, "intro_pct": null, "base_pct": 3.75 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 61, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 63, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 64, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 63, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 65, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 65, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 25, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 26, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 28, "of": 79 } ], "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": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Your funds are only available from the 1 November to 31 January to remove the temptation…", "No monthly access fee.", "One free transaction is permitted outside the available period", "eStatements available" ] }, "feature_tags": [ "app", "Osko", "PayID", "notifications" ], "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", "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 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true, "payto": false, "bpay": false, "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": [ "Bonus interest earned for each month if you make no withdrawals during the month and the…", "Link this to a transaction account and our service automatically transfers funds from cer…", "No monthly access fee.", "eStatements available" ] }, "feature_tags": [ "app", "Osko", "PayID" ], "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 }, "conditions": [ "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "deposit 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