{
  "brand": "gmcu",
  "brand_label": "GMCU",
  "brand_slug": "gmcu",
  "legal_entity_abn": "87087651509",
  "public_base_uri": "https://secure.gmcu.com.au/OpenBanking",
  "logo_uri": "https://www.gmcu.com.au/media/2985/gmcu_logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-10T03:12:14Z",
  "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":4.8,"base_rate_pct":0.01,"bonus_rate_pct":4.79,"intro_rate_pct":null,"intro_months":null,"product_label":"Advantage 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":4.8,"base_rate_pct":0.01,"bonus_rate_pct":4.79,"intro_rate_pct":null,"intro_months":null,"product_label":"Advantage 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":1.1,"base_rate_pct":1.1,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k2","restrictions":["christmas_club"],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-11-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "bonus interest is paid only in a month with no withdrawals (including electronic debits) and at least $20 deposited"
      ],
      "k2": [
        "not updated by the bank since 2026-04-09, 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",
        "interest is credited on 15 November each year and funds move to a nominated transaction account"
      ]
    },
    "unranked": {
      "products": 7,
      "transaction_account": 6,
      "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": "Advantage_Saver",
      "product_name": "Advantage Saver",
      "product_label": "Advantage Saver",
      "product_slug": "advantage-saver",
      "page": "/au/finance/savings-accounts/accounts/gmcu/advantage-saver/",
      "product_url": "https://www.gmcu.com.au/banking/savings-accounts/view-all-savings-accounts",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.gmcu.com.au/pds",
      "fees_url": "https://www.gmcu.com.au/pds",
      "eligibility_url": "https://www.gmcu.com.au/pds",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Advantage Saver account is a savings account for those dedicated to a regular savings plan. A bonus rate is available in months where there are no withdrawals and a deposit of at least $20.",
      "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": 4.8,
          "intro_pct": null,
          "base_pct": 0.01
        },
        "50000": {
          "ongoing_pct": 4.8,
          "intro_pct": null,
          "base_pct": 0.01
        },
        "250000": {
          "ongoing_pct": 4.8,
          "intro_pct": null,
          "base_pct": 0.01
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 47,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 47,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 46,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 51,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 51,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 49,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": true,
        "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",
        "Osko",
        "PayID",
        "BPAY",
        "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": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-11-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "bonus interest is paid only in a month with no withdrawals (including electronic debits) and at least $20 deposited"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Advantage_Saver",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/gmcu/Advantage_Saver.json",
      "snapshot_at": "2026-11-05T03:31:29Z",
      "bank_last_updated": "2026-11-01T15:44:26.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.gmcu.com.au/banking/savings-accounts/advantage-saver-account/",
          "https://www.gmcu.com.au/banking/savings-accounts/view-all-savings-accounts",
          "https://www.gmcu.com.au/help/interest-rates/deposit-rates/",
          "https://www.gmcu.com.au/reusable-documents/product-disclosure-statements/summary-of-accounts-availability-of-access-facilities-august-2026/",
          "https://www.gmcu.com.au/reusable-documents/product-disclosure-statements/schedule-of-fees-and-charges-august-2026/"
        ]
      }
    },
    {
      "product_id": "Cash_Manger",
      "product_name": "Cash Manager",
      "product_label": "Cash Manager",
      "product_slug": "cash-manager",
      "page": "/au/finance/savings-accounts/accounts/gmcu/cash-manager/",
      "product_url": "https://www.gmcu.com.au/banking/savings-accounts/view-all-savings-accounts",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.gmcu.com.au/pds",
      "fees_url": "https://www.gmcu.com.au/pds",
      "eligibility_url": "https://www.gmcu.com.au/pds",
      "account_type": "cash_management",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Cash Manager account is a savings account with higher returns for higher balance accounts",
      "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": 10000,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 0.01,
          "intro_pct": null,
          "base_pct": 0.01
        },
        "50000": {
          "ongoing_pct": 0.32,
          "intro_pct": null,
          "base_pct": 0.32
        },
        "250000": {
          "ongoing_pct": 0.38,
          "intro_pct": null,
          "base_pct": 0.38
        }
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": true,
        "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",
        "Osko",
        "PayID",
        "BPAY",
        "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": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-03-25, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "needs at least $10,000 to open; balances under $10,000 earn only 0.01%",
        "withdrawals must be at least $500"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Cash_Manger",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/gmcu/Cash_Manger.json",
      "snapshot_at": "2026-10-29T23:52:19Z",
      "bank_last_updated": "2026-03-25T15:42:02.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.gmcu.com.au/banking/savings-accounts/cash-manager-account/",
          "https://www.gmcu.com.au/banking/savings-accounts/view-all-savings-accounts",
          "https://www.gmcu.com.au/help/interest-rates/deposit-rates/",
          "https://www.gmcu.com.au/reusable-documents/product-disclosure-statements/summary-of-accounts-availability-of-access-facilities-august-2026/",
          "https://www.gmcu.com.au/reusable-documents/product-disclosure-statements/schedule-of-fees-and-charges-august-2026/"
        ]
      }
    },
    {
      "product_id": "Christmas_Saver",
      "product_name": "Christmas Saver",
      "product_label": "Christmas Saver",
      "product_slug": "christmas-saver",
      "page": "/au/finance/savings-accounts/accounts/gmcu/christmas-saver/",
      "product_url": "https://www.gmcu.com.au/banking/savings-accounts/view-all-savings-accounts/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.gmcu.com.au/pds",
      "fees_url": "https://www.gmcu.com.au/pds",
      "eligibility_url": "https://www.gmcu.com.au/pds",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Christmas Saver account allows you to save for Christmas throughout the year.",
      "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": 1.1,
          "intro_pct": null,
          "base_pct": 1.1
        },
        "50000": {
          "ongoing_pct": 1.1,
          "intro_pct": null,
          "base_pct": 1.1
        },
        "250000": {
          "ongoing_pct": 1.1,
          "intro_pct": null,
          "base_pct": 1.1
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 58,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 59,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 61,
          "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": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Branch withdrawals are free from 15 November to 31 December.",
          "Funds will be disbursed by 15 November annually."
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "BPAY"
      ],
      "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 2026-04-09, 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",
        "interest is credited on 15 November each year and funds move to a nominated transaction account"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Christmas_Saver",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/gmcu/Christmas_Saver.json",
      "snapshot_at": "2026-10-29T23:52:19Z",
      "bank_last_updated": "2026-04-09T14:22:45.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.gmcu.com.au/banking/savings-accounts/christmas-saver-account/",
          "https://www.gmcu.com.au/banking/savings-accounts/view-all-savings-accounts",
          "https://www.gmcu.com.au/help/interest-rates/deposit-rates/",
          "https://www.gmcu.com.au/reusable-documents/product-disclosure-statements/summary-of-accounts-availability-of-access-facilities-august-2026/",
          "https://www.gmcu.com.au/reusable-documents/product-disclosure-statements/schedule-of-fees-and-charges-august-2026/"
        ]
      }
    },
    {
      "product_id": "Online_Saver",
      "product_name": "Online Saver",
      "product_label": "Online Saver",
      "product_slug": "online-saver",
      "page": "/au/finance/savings-accounts/accounts/gmcu/online-saver/",
      "product_url": "https://www.gmcu.com.au/banking/savings-accounts/view-all-savings-accounts/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.gmcu.com.au/pds",
      "fees_url": "https://www.gmcu.com.au/pds",
      "eligibility_url": "https://www.gmcu.com.au/pds",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Online Saver account is a special savings account for electronic use.",
      "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": 1.05,
          "intro_pct": null,
          "base_pct": 1.05
        },
        "50000": {
          "ongoing_pct": 1.05,
          "intro_pct": null,
          "base_pct": 1.05
        },
        "250000": {
          "ongoing_pct": 1.05,
          "intro_pct": null,
          "base_pct": 1.05
        }
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "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": []
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "BPAY",
        "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": [
        "linked_account"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-04-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "must nominate an eligible transaction account; withdrawals only as an online transfer to it"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Online_Saver",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/gmcu/Online_Saver.json",
      "snapshot_at": "2026-10-29T23:52:19Z",
      "bank_last_updated": "2026-04-09T14:24:21.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.gmcu.com.au/banking/savings-accounts/online-saver-account/",
          "https://www.gmcu.com.au/banking/savings-accounts/view-all-savings-accounts",
          "https://www.gmcu.com.au/help/interest-rates/deposit-rates/",
          "https://www.gmcu.com.au/reusable-documents/product-disclosure-statements/summary-of-accounts-availability-of-access-facilities-august-2026/",
          "https://www.gmcu.com.au/reusable-documents/product-disclosure-statements/schedule-of-fees-and-charges-august-2026/"
        ]
      }
    },
    {
      "product_id": "My_Business",
      "product_name": "My Business",
      "product_label": "My Business",
      "product_slug": "my-business",
      "page": "/au/finance/savings-accounts/accounts/gmcu/my-business/",
      "product_url": "https://www.gmcu.com.au/banking/transaction-accounts/view-all-transaction-accounts/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.gmcu.com.au/pds",
      "fees_url": "https://www.gmcu.com.au/pds",
      "eligibility_url": "https://www.gmcu.com.au/pds",
      "account_type": "transaction",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "The My Business Account is a day-today transaction account for businesses. Funds in the Business account are available through branch, card and internet 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": 0.01,
          "intro_pct": null,
          "base_pct": 0.01
        },
        "50000": {
          "ongoing_pct": 0.06,
          "intro_pct": null,
          "base_pct": 0.06
        },
        "250000": {
          "ongoing_pct": 0.09,
          "intro_pct": null,
          "base_pct": 0.09
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": true,
        "app": true,
        "notifications": false,
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