{
  "brand": "Greater Bank",
  "brand_label": "Greater Bank",
  "brand_slug": "greater-bank",
  "legal_entity_abn": "96087651992",
  "public_base_uri": "https://public.cdr.greater.com.au",
  "logo_uri": "https://www.ngmgroup.com.au/globalassets/open-banking/greater-bank/images/greaterbank_stacked_openbanking.jpg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-12T13:00:00Z",
  "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":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"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":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"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":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":4.5,"base_rate_pct":4.5,"bonus_rate_pct":null,"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":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "Must be identifiable in terms of legislative requirements"
      ]
    },
    "unranked": {
      "products": 4,
      "transaction_account": 3,
      "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": "3020",
      "product_name": "Bonus Saver",
      "product_label": "Bonus Saver",
      "product_slug": "bonus-saver",
      "page": "/au/finance/savings-accounts/accounts/greater-bank/bonus-saver/",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/bonus-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.greater.com.au/termsandconditions",
      "fees_url": null,
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Conditional savings 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": 1,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 4.5,
          "intro_pct": null,
          "base_pct": 4.5
        },
        "50000": {
          "ongoing_pct": 4.5,
          "intro_pct": null,
          "base_pct": 4.5
        },
        "250000": {
          "ongoing_pct": 4.5,
          "intro_pct": null,
          "base_pct": 4.5
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 54,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 57,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 57,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 57,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 60,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 59,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 18,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 20,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 21,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "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",
        "notifications",
        "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": [
        "Must be identifiable in terms of legislative requirements"
      ],
      "eligibility": [
        "residency: Australian Residents only",
        "Must be identifiable in terms of legislative requirements"
      ],
      "record_stale": false,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3020",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/greater-bank/3020.json",
      "snapshot_at": "2026-11-13T01:41:48Z",
      "bank_last_updated": "2026-11-12T13:00:00Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1
    },
    {
      "product_id": "3045",
      "product_name": "Life Saver",
      "product_label": "Life Saver",
      "product_slug": "life-saver",
      "page": "/au/finance/savings-accounts/accounts/greater-bank/life-saver/",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/life-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.greater.com.au/termsandconditions",
      "fees_url": null,
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Conditional savings account for under 25 year olds",
      "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": 5.75,
          "intro_pct": null,
          "base_pct": 5.75
        },
        "50000": {
          "ongoing_pct": 5.75,
          "intro_pct": null,
          "base_pct": 5.75
        },
        "250000": {
          "ongoing_pct": 5.75,
          "intro_pct": null,
          "base_pct": 5.75
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 12,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 10,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 4,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 21,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 19,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 12,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 5,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 4,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 1,
          "of": 91,
          "hidden_by_default": true
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "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",
        "notifications",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Bulk coin purchase fee - Existing branch stock"
      ],
      "age_min": null,
      "age_max": 25,
      "restrictions": [
        "age_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "age",
            "who": "age 25 and under",
            "level": "product",
            "quote": "MAX_AGE 25",
            "source": "feed: eligibility MAX_AGE"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "age 25 and under",
        "Must be identifiable in terms of legislative requirements"
      ],
      "eligibility": [
        "Must be identifiable in terms of legislative requirements",
        "residency: Australian Residents only",
        "age 25 and under: Must be under 25 years of age to open the account but can retain it for life."
      ],
      "record_stale": false,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3045",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/greater-bank/3045.json",
      "snapshot_at": "2026-11-13T01:41:48Z",
      "bank_last_updated": "2026-11-12T13:00:00Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1
    },
    {
      "product_id": "3060",
      "product_name": "Retirement Plus",
      "product_label": "Retirement Plus",
      "product_slug": "retirement-plus",
      "page": "/au/finance/savings-accounts/accounts/greater-bank/retirement-plus/",
      "product_url": "https://www.greater.com.au/personal/everyday-accounts/retirement-plus-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.greater.com.au/termsandconditions",
      "fees_url": null,
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Seniors transactional 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": 1,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 1.0,
          "intro_pct": null,
          "base_pct": 1.0
        },
        "50000": {
          "ongoing_pct": 1.8,
          "intro_pct": null,
          "base_pct": 1.8
        },
        "250000": {
          "ongoing_pct": 2.0,
          "intro_pct": null,
          "base_pct": 2.0
        }
      },
      "rankings": [],
      "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": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Transaction Fee Rebate. $3 per $1000 Minimum Monthly Balance"
        ]
      },
      "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": [
        "Deposit unbagged coin",
        "Deposit bagged coin",
        "Foreign currency conversion fee",
        "Bulk coin purchase fee - Existing branch stock"
      ],
      "age_min": 55,
      "age_max": null,
      "restrictions": [
        "age_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "age",
            "who": "age 55 and over",
            "level": "product",
            "quote": "MIN_AGE 55",
            "source": "feed: eligibility MIN_AGE"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "age 55 and over",
        "Must be identifiable in terms of legislative requirements"
      ],
      "eligibility": [
        "Must be identifiable in terms of legislative requirements",
        "age 55 and over",
        "residency: Australian Residents only"
      ],
      "record_stale": false,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3060",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/greater-bank/3060.json",
      "snapshot_at": "2026-11-13T01:41:48Z",
      "bank_last_updated": "2026-11-12T13:00:00Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 3
    },
    {
      "product_id": "3015",
      "product_name": "Access",
      "product_label": "Access",
      "product_slug": "access",
      "page": "/au/finance/savings-accounts/accounts/greater-bank/access/",
      "product_url": "https://www.greater.com.au/personal/everyday-accounts/access-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.greater.com.au/termsandconditions",
      "fees_url": null,
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Personal transactional 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": 1,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 0.01,
          "intro_pct": null,
          "base_pct": 0.01
        }
      },
      "rankings": [],
      "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": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "PayID",
        "notifications",
        "wallets: Apple Pay, Google Pay"
      ],
      "interest_paid": "half_yearly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Foreign currency conversion fee",
        "Bulk coin purchase fee - Existing branch stock"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-09-23, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Must be identifiable in terms of legislative requirements"
      ],
      "eligibility": [
        "Must be identifiable in terms of legislative requirements",
        "residency: Australian Residents only"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3015",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/greater-bank/3015.json",
      "snapshot_at": "2026-11-05T03:31:30Z",
      "bank_last_updated": "2026-09-23T14:00:00Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 2
    },
    {
      "product_id": "3025",
      "product_name": "Business Access",
      "product_label": "Business Access",
      "product_slug": "business-access",
      "page": "/au/finance/savings-accounts/accounts/greater-bank/business-access/",
      "product_url": "https://www.greater.com.au/business/business-accounts#tab-business-access",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.greater.com.au/termsandconditions#business",
      "fees_url": "https://www.greater.com.au/business-access-product-schedule",
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Business account designed for business customers who seek a transaction account to manage business cashflow.",
      "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": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 0.01,
          "intro_pct": null,
          "base_pct": 0.01
        }
      },
      "rankings": [],
      "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": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Transaction Fee Rebate. $3 per $1000 Minimum Monthly Balance"
        ]
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "PayID",
        "notifications",
        "wallets: Apple Pay, Google Pay"
      ],
      "interest_paid": "half_yearly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Deposit unbagged coin",
        "Deposit bagged coin",
        "Foreign currency conversion fee",
        "Bulk coin purchase fee - Existing branch stock"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-09-23, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Must be identifiable in terms of legislative requirements"
      ],
      "eligibility": [
        "residency: Australian Residents only",
        "Must be identifiable in terms of legislative requirements"
      ],
      "record_stale": true,
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        "Must be identifiable in terms of legislative requirements"
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  }
}
