{
  "brand": "Health Professionals Bank",
  "brand_label": "Health Professionals Bank",
  "brand_slug": "health-professionals-bank",
  "legal_entity_abn": "30087650459",
  "public_base_uri": "https://ob.tmbl.com.au/hpbank",
  "logo_uri": "https://www.hpbank.com.au/content/dam/channels/websites/common-assets/logos/Header%20logos/HPB-logo-rgb-colour.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-11T20:54:26Z",
  "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":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Starter Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Starter Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Starter Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "age 29 and under",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…",
        "members under 30, or university students of any age (full or part time)",
        "must be an Australian citizen or permanent resident and work in or have retired from the health sector, be a healthcare student or graduate, or be immediate family of a member"
      ]
    },
    "unranked": {
      "products": 1,
      "transaction_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": "1fcd6386-92f5-411a-87b7-2b0d67aab1ba",
      "product_name": "Edvest Cash Management account",
      "product_label": "Edvest Cash Management Account",
      "product_slug": "edvest-cash-management-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/edvest-cash-management-account/",
      "product_url": "https://www.hpbank.com.au/banking/edvest-cash-management-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "fees_url": "https://www.hpbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf",
      "eligibility_url": "https://www.hpbank.com.au/banking/edvest-cash-management-account",
      "account_type": "cash_management",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Exclusive to Edvest members, our higher interest rates make your money work harder for you.",
      "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": 1.5,
          "intro_pct": null,
          "base_pct": 1.5
        },
        "50000": {
          "ongoing_pct": 1.5,
          "intro_pct": null,
          "base_pct": 1.5
        },
        "250000": {
          "ongoing_pct": 1.5,
          "intro_pct": null,
          "base_pct": 1.5
        }
      },
      "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": [
          "Higher interest rate for balances $2,000 and over.",
          "No minimum balance."
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "notifications"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership",
        "age_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank",
            "level": "bank",
            "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.",
            "source": "feed: eligibility OTHER"
          },
          {
            "kind": "age",
            "who": "age 50 and over",
            "level": "product",
            "quote": "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying account with us.",
            "source": "feed: eligibility OTHER"
          },
          {
            "kind": "occupation",
            "who": "must be an Australian citizen or permanent resident and work in or have retired from the health sector, be a healthcare student or graduate, or be immediate family of a member",
            "level": "product",
            "quote": "Studying or have graduated from an Australian university in healthcare including medicine, nursing and allied health professions",
            "source": "https://www.hpbank.com.au/banking/edvest-cash-management-account",
            "citation": {
              "quote": "Studying or have graduated from an Australian university in healthcare including medicine, nursing and allied health professions",
              "url": "https://www.hpbank.com.au/banking/edvest-cash-management-account#:~:text=Studying%20or%20have%20graduated%20from,nursing%20and%20allied%20health%20professions",
              "document_sha256": "5569701ad1136ee5370e2959fc1dad152925bc3241e69f9ab086be050bd1cb0e",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…",
        "must be an Australian citizen or permanent resident and work in or have retired from the health sector, be a healthcare student or graduate, or be immediate family of a member"
      ],
      "eligibility": [
        "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying account with us.",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.",
        "residency: Individuals must be citizens or permanent residents of Australia."
      ],
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/1fcd6386-92f5-411a-87b7-2b0d67aab1ba",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/1fcd6386-92f5-411a-87b7-2b0d67aab1ba.json",
      "snapshot_at": "2026-11-12T02:33:00Z",
      "bank_last_updated": "2026-11-12T07:54:26.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.hpbank.com.au/banking/edvest-cash-management-account",
          "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf"
        ]
      }
    },
    {
      "product_id": "f79ad2ac-29f3-4580-b847-118566c38adf",
      "product_name": "Essential Saver account",
      "product_label": "Essential Saver Account",
      "product_slug": "essential-saver-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/essential-saver-account/",
      "product_url": "https://www.hpbank.com.au/banking/essential-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "fees_url": "https://www.hpbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf",
      "eligibility_url": "https://www.hpbank.com.au/banking/essential-saver",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "An interest bearing online savings account with a tiered interest rate structure",
      "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": 5.5,
          "intro_pct": null,
          "base_pct": 5.5
        },
        "50000": {
          "ongoing_pct": 5.5,
          "intro_pct": null,
          "base_pct": 5.5
        },
        "250000": {
          "ongoing_pct": 5.5,
          "intro_pct": null,
          "base_pct": 5.5
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 19,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 29,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 6,
          "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": [
          "No fees for accessing your account online or via phone banking.",
          "No monthly access fee.",
          "No minimum balance."
        ]
      },
      "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": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank",
            "level": "bank",
            "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.",
            "source": "feed: eligibility OTHER"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)"
      ],
      "eligibility": [
        "residency: Individuals must be citizens or permanent residents of Australia."
      ],
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/f79ad2ac-29f3-4580-b847-118566c38adf",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/f79ad2ac-29f3-4580-b847-118566c38adf.json",
      "snapshot_at": "2026-11-12T02:33:00Z",
      "bank_last_updated": "2026-11-12T07:31:01.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.hpbank.com.au/banking/essential-saver",
          "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf"
        ]
      }
    },
    {
      "product_id": "ba995be0-6c0c-11f0-91fb-325096b39f47",
      "product_name": "MOMENTUM SAVER",
      "product_label": "Momentum Saver",
      "product_slug": "momentum-saver",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/momentum-saver/",
      "product_url": "https://www.hpbank.com.au/banking/momentum-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "fees_url": "https://www.hpbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf",
      "eligibility_url": "https://www.hpbank.com.au/banking/momentum-saver",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Momentum Saver account rewards savers with an ongoing bonus interest rate when you deposit a minimum of $100 and make no withdrawals during the month.",
      "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": "0"
        },
        {
          "type": "min_monthly_deposit",
          "value": 100,
          "text": "100.00"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 5.35,
          "intro_pct": null,
          "base_pct": 0.1
        },
        "50000": {
          "ongoing_pct": 5.35,
          "intro_pct": null,
          "base_pct": 0.1
        },
        "250000": {
          "ongoing_pct": 5.35,
          "intro_pct": null,
          "base_pct": 0.1
        }
      },
      "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 you deposit a minimum of $100, make no withdrawals d…",
          "No fees for accessing your account online or via phone banking.",
          "No monthly access fee.",
          "No minimum balances."
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "notifications"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank",
            "level": "bank",
            "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.",
            "source": "feed: eligibility OTHER"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "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",
        "no withdrawals in the month",
        "deposit $100 or more each month"
      ],
      "eligibility": [
        "residency: Individuals must be citizens or permanent residents of Australia."
      ],
      "record_stale": true,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/ba995be0-6c0c-11f0-91fb-325096b39f47",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/ba995be0-6c0c-11f0-91fb-325096b39f47.json",
      "snapshot_at": "2026-10-22T13:25:04Z",
      "bank_last_updated": "2026-10-13T08:56:59.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 3,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.hpbank.com.au/banking/momentum-saver",
          "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf"
        ]
      }
    },
    {
      "product_id": "3ea81fb6-ab26-4044-ab83-8de6fe73ab1d",
      "product_name": "Pension Advantage account",
      "product_label": "Pension Advantage Account",
      "product_slug": "pension-advantage-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/pension-advantage-account/",
      "product_url": "https://www.hpbank.com.au/banking/pension-advantage",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "fees_url": "https://www.hpbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf",
      "eligibility_url": "https://www.hpbank.com.au/banking/pension-advantage",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "An account for members receiving a pension or allowance from Centrelink or Veteran Affairs.",
      "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": 3.5,
          "intro_pct": null,
          "base_pct": 3.5
        },
        "50000": {
          "ongoing_pct": 3.5,
          "intro_pct": null,
          "base_pct": 3.5
        },
        "250000": {
          "ongoing_pct": 3.5,
          "intro_pct": null,
          "base_pct": 3.5
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Visa Debit with payWave",
        "digital_wallets": [
          "Apple Pay",
          "Google Pay",
          "Samsung Pay"
        ],
        "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": [
          "Our sweep service automatically transfers funds from certain savings accounts to cover mo…",
          "Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For…"
        ]
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "PayID",
        "notifications",
        "unlimited transactions",
        "wallets: Apple Pay, Google Pay, Samsung Pay"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "INTERNATIONAL_CONVERSION_FEE"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership",
        "pensioner"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank",
            "level": "bank",
            "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.",
            "source": "feed: eligibility NATURAL_PERSON"
          },
          {
            "kind": "occupation",
            "who": "must be an Australian citizen or permanent resident and work in or have retired from the health sector, be a healthcare student or graduate, or be immediate family of a member",
            "level": "product",
            "quote": "Studying or have graduated from an Australian university in healthcare including medicine, nursing and allied health professions",
            "source": "https://www.hpbank.com.au/banking/pension-advantage",
            "citation": {
              "quote": "Studying or have graduated from an Australian university in healthcare including medicine, nursing and allied health professions",
              "url": "https://www.hpbank.com.au/banking/pension-advantage#:~:text=Studying%20or%20have%20graduated%20from,nursing%20and%20allied%20health%20professions",
              "document_sha256": "e009eb1bb9ffc86b9bacd537cafc82a5568b370c08c2853b1142546a3a5e6072",
              "confirmed": "2026-11-13"
            }
          },
          {
            "kind": "pension",
            "who": "pension or allowance recipients",
            "level": "product",
            "quote": "Pension Advantage account",
            "source": "name"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "open only to pension or allowance recipients",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "pension recipients only: You must be receiving a pension or allowance from Centrelink or Veteran Affairs and the pension or allowance must be paid directly int…",
        "must be an Australian citizen or permanent resident and work in or have retired from the health sector, be a healthcare student or graduate, or be immediate family of a member"
      ],
      "eligibility": [
        "residency: Individuals must be citizens or permanent residents of Australia.",
        "pension recipients only: You must be receiving a pension or allowance from Centrelink or Veteran Affairs and the pension or allowance must be paid directly into the account: An account for members receiving a pension or allowance from Centrelink or Veteran Affairs."
      ],
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/3ea81fb6-ab26-4044-ab83-8de6fe73ab1d",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/3ea81fb6-ab26-4044-ab83-8de6fe73ab1d.json",
      "snapshot_at": "2026-11-12T02:33:00Z",
      "bank_last_updated": "2026-11-12T07:45:12.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.hpbank.com.au/banking/pension-advantage",
          "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf"
        ]
      }
    },
    {
      "product_id": "ae92e68a-4104-4894-ba54-408c590a200b",
      "product_name": "Starter Saver account",
      "product_label": "Starter Saver Account",
      "product_slug": "starter-saver-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/starter-saver-account/",
      "product_url": "https://www.hpbank.com.au/banking/starter-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "fees_url": "https://www.hpbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf",
      "eligibility_url": "https://www.hpbank.com.au/banking/starter-saver",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Starter Saver Account is a high interest savings account for Under 30 year olds that rewards savings.",
      "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": 5.75,
          "intro_pct": null,
          "base_pct": 5.75
        },
        "50000": {
          "ongoing_pct": 5.75,
          "intro_pct": null,
          "base_pct": 5.75
        },
        "250000": {
          "ongoing_pct": 4.95,
          "intro_pct": null,
          "base_pct": 4.95
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 13,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 11,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 22,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 20,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 6,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 5,
          "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": [
          "The product pays members a higher rate of interest on balances up to $50,000.00, with a s…"
        ]
      },
      "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": 29,
      "restrictions": [
        "occupation_membership",
        "age_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank",
            "level": "bank",
            "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.",
            "source": "feed: eligibility OTHER"
          },
          {
            "kind": "age",
            "who": "age 29 and under",
            "level": "product",
            "quote": "Starter Saver account",
            "source": "feed: eligibility"
          },
          {
            "kind": "age",
            "who": "members under 30, or university students of any age (full or part time)",
            "level": "product",
            "quote": "Available to members aged under 30, or university students of any age studying full time or part time at an Australian university",
            "source": "https://www.hpbank.com.au/banking/starter-saver",
            "citation": {
              "quote": "Available to members aged under 30, or university students of any age studying full time or part time at an Australian university",
              "url": "https://www.hpbank.com.au/banking/starter-saver#:~:text=Available%20to%20members%20aged%20under,time%20at%20an%20Australian%20university",
              "document_sha256": "b552ecc44f1dea85dff5b10f595d1f2511150033f654c998f63336b9a01a8e7a",
              "confirmed": "2026-11-13"
            }
          },
          {
            "kind": "occupation",
            "who": "must be an Australian citizen or permanent resident and work in or have retired from the health sector, be a healthcare student or graduate, or be immediate family of a member",
            "level": "product",
            "quote": "Studying or have graduated from an Australian university in healthcare including medicine, nursing and allied health professions",
            "source": "https://www.hpbank.com.au/banking/starter-saver",
            "citation": {
              "quote": "Studying or have graduated from an Australian university in healthcare including medicine, nursing and allied health professions",
              "url": "https://www.hpbank.com.au/banking/starter-saver#:~:text=Studying%20or%20have%20graduated%20from,nursing%20and%20allied%20health%20professions",
              "document_sha256": "b552ecc44f1dea85dff5b10f595d1f2511150033f654c998f63336b9a01a8e7a",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "age 29 and under",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…",
        "members under 30, or university students of any age (full or part time)",
        "must be an Australian citizen or permanent resident and work in or have retired from the health sector, be a healthcare student or graduate, or be immediate family of a member"
      ],
      "eligibility": [
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.",
        "residency: Individuals must be citizens or permanent residents of Australia.",
        "age 29 and under: This Product is only available for members aged under 30 years and Students"
      ],
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/ae92e68a-4104-4894-ba54-408c590a200b",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/ae92e68a-4104-4894-ba54-408c590a200b.json",
      "snapshot_at": "2026-11-12T02:33:00Z",
      "bank_last_updated": "2026-11-12T07:34:03.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.hpbank.com.au/banking/starter-saver",
          "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf"
        ]
      }
    },
    {
      "product_id": "1e296861-5b3e-4288-a383-ac8723ffdf39",
      "product_name": "Everyday Direct account",
      "product_label": "Everyday Direct Account",
      "product_slug": "everyday-direct-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/everyday-direct-account/",
      "product_url": "https://www.hpbank.com.au/banking/everyday-direct",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "fees_url": "https://www.hpbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf",
      "eligibility_url": "https://www.hpbank.com.au/banking/everyday-direct",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Your everyday transaction account with VISA Debit access.",
      "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": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Visa Debit with payWave",
        "digital_wallets": [
          "Apple Pay",
          "Google Pay",
          "Samsung Pay"
        ],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": true,
        "app": true,
        "notifications": true,
        "unlimited_transactions": true,
        "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…",
          "Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For…"
        ]
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "PayID",
        "BPAY",
        "notifications",
        "unlimited transactions",
        "linked account required",
        "wallets: Apple Pay, Google Pay, Samsung Pay"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "INTERNATIONAL_CONVERSION_FEE"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership",
        "linked_account"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank",
            "level": "bank",
            "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.",
            "source": "feed: eligibility OTHER"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-30, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "eligibility": [
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank.",
        "residency: Individuals must be citizens or permanent residents of Australia."
      ],
      "record_stale": true,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/1e296861-5b3e-4288-a383-ac8723ffdf39",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/1e296861-5b3e-4288-a383-ac8723ffdf39.json",
      "snapshot_at": "2026-10-30T23:31:11Z",
      "bank_last_updated": "2026-10-30T16:32:47.000+11:00",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 1
    }
  ],
  "rows": [
    {
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "legal_entity_abn": "30087650459",
      "product_id": "1fcd6386-92f5-411a-87b7-2b0d67aab1ba",
      "product_name": "Edvest Cash Management account",
      "product_label": "Edvest Cash Management Account",
      "product_slug": "edvest-cash-management-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/edvest-cash-management-account/",
      "product_url": "https://www.hpbank.com.au/banking/edvest-cash-management-account",
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "account_type": "cash_management",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership",
        "age_limited"
      ],
      "conditions": [
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…",
        "must be an Australian citizen or permanent resident and work in or have retired from the health sector, be a healthcare student or graduate, or be immediate family of a member"
      ],
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/1fcd6386-92f5-411a-87b7-2b0d67aab1ba",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/1fcd6386-92f5-411a-87b7-2b0d67aab1ba.json",
      "bank_last_updated": "2026-11-12T07:54:26.000+11:00",
      "balance_from": 0,
      "balance_to": null,
      "base_rate_pct": 1.5,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 1.5,
      "intro_total_rate_pct": null,
      "rate_application": "whole_balance",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "legal_entity_abn": "30087650459",
      "product_id": "f79ad2ac-29f3-4580-b847-118566c38adf",
      "product_name": "Essential Saver account",
      "product_label": "Essential Saver Account",
      "product_slug": "essential-saver-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/essential-saver-account/",
      "product_url": "https://www.hpbank.com.au/banking/essential-saver",
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "conditions": [
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)"
      ],
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/f79ad2ac-29f3-4580-b847-118566c38adf",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/f79ad2ac-29f3-4580-b847-118566c38adf.json",
      "bank_last_updated": "2026-11-12T07:31:01.000+11:00",
      "balance_from": 0,
      "balance_to": 1000000,
      "base_rate_pct": 5.5,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 5.5,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "legal_entity_abn": "30087650459",
      "product_id": "f79ad2ac-29f3-4580-b847-118566c38adf",
      "product_name": "Essential Saver account",
      "product_label": "Essential Saver Account",
      "product_slug": "essential-saver-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/essential-saver-account/",
      "product_url": "https://www.hpbank.com.au/banking/essential-saver",
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "conditions": [
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)"
      ],
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/f79ad2ac-29f3-4580-b847-118566c38adf",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/f79ad2ac-29f3-4580-b847-118566c38adf.json",
      "bank_last_updated": "2026-11-12T07:31:01.000+11:00",
      "balance_from": 1000000.01,
      "balance_to": null,
      "base_rate_pct": 3.5,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 3.5,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "legal_entity_abn": "30087650459",
      "product_id": "ba995be0-6c0c-11f0-91fb-325096b39f47",
      "product_name": "MOMENTUM SAVER",
      "product_label": "Momentum Saver",
      "product_slug": "momentum-saver",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/momentum-saver/",
      "product_url": "https://www.hpbank.com.au/banking/momentum-saver",
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [
        {
          "type": "max_withdrawals",
          "value": 0,
          "text": "0"
        },
        {
          "type": "min_monthly_deposit",
          "value": 100,
          "text": "100.00"
        }
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "conditions": [
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "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",
        "no withdrawals in the month",
        "deposit $100 or more each month"
      ],
      "record_stale": true,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/ba995be0-6c0c-11f0-91fb-325096b39f47",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/ba995be0-6c0c-11f0-91fb-325096b39f47.json",
      "bank_last_updated": "2026-10-13T08:56:59.000+11:00",
      "balance_from": 0,
      "balance_to": 250000,
      "base_rate_pct": 0.1,
      "bonus_rate_pct": 5.25,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 5.35,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "legal_entity_abn": "30087650459",
      "product_id": "ba995be0-6c0c-11f0-91fb-325096b39f47",
      "product_name": "MOMENTUM SAVER",
      "product_label": "Momentum Saver",
      "product_slug": "momentum-saver",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/momentum-saver/",
      "product_url": "https://www.hpbank.com.au/banking/momentum-saver",
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [
        {
          "type": "max_withdrawals",
          "value": 0,
          "text": "0"
        },
        {
          "type": "min_monthly_deposit",
          "value": 100,
          "text": "100.00"
        }
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "conditions": [
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "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",
        "no withdrawals in the month",
        "deposit $100 or more each month"
      ],
      "record_stale": true,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/ba995be0-6c0c-11f0-91fb-325096b39f47",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/ba995be0-6c0c-11f0-91fb-325096b39f47.json",
      "bank_last_updated": "2026-10-13T08:56:59.000+11:00",
      "balance_from": 250000.01,
      "balance_to": 1000000.01,
      "base_rate_pct": 0.1,
      "bonus_rate_pct": 5.15,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 5.25,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "legal_entity_abn": "30087650459",
      "product_id": "ba995be0-6c0c-11f0-91fb-325096b39f47",
      "product_name": "MOMENTUM SAVER",
      "product_label": "Momentum Saver",
      "product_slug": "momentum-saver",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/momentum-saver/",
      "product_url": "https://www.hpbank.com.au/banking/momentum-saver",
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [
        {
          "type": "max_withdrawals",
          "value": 0,
          "text": "0"
        },
        {
          "type": "min_monthly_deposit",
          "value": 100,
          "text": "100.00"
        }
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership"
      ],
      "conditions": [
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "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",
        "no withdrawals in the month",
        "deposit $100 or more each month"
      ],
      "record_stale": true,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/ba995be0-6c0c-11f0-91fb-325096b39f47",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/ba995be0-6c0c-11f0-91fb-325096b39f47.json",
      "bank_last_updated": "2026-10-13T08:56:59.000+11:00",
      "balance_from": 1000000.02,
      "balance_to": null,
      "base_rate_pct": 0.1,
      "bonus_rate_pct": 4.9,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 5.0,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "legal_entity_abn": "30087650459",
      "product_id": "3ea81fb6-ab26-4044-ab83-8de6fe73ab1d",
      "product_name": "Pension Advantage account",
      "product_label": "Pension Advantage Account",
      "product_slug": "pension-advantage-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/pension-advantage-account/",
      "product_url": "https://www.hpbank.com.au/banking/pension-advantage",
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership",
        "pensioner"
      ],
      "conditions": [
        "open only to pension or allowance recipients",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "pension recipients only: You must be receiving a pension or allowance from Centrelink or Veteran Affairs and the pension or allowance must be paid directly int…",
        "must be an Australian citizen or permanent resident and work in or have retired from the health sector, be a healthcare student or graduate, or be immediate family of a member"
      ],
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/3ea81fb6-ab26-4044-ab83-8de6fe73ab1d",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/3ea81fb6-ab26-4044-ab83-8de6fe73ab1d.json",
      "bank_last_updated": "2026-11-12T07:45:12.000+11:00",
      "balance_from": 0,
      "balance_to": null,
      "base_rate_pct": 3.5,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 3.5,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "legal_entity_abn": "30087650459",
      "product_id": "ae92e68a-4104-4894-ba54-408c590a200b",
      "product_name": "Starter Saver account",
      "product_label": "Starter Saver Account",
      "product_slug": "starter-saver-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/starter-saver-account/",
      "product_url": "https://www.hpbank.com.au/banking/starter-saver",
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": 29,
      "restrictions": [
        "occupation_membership",
        "age_limited"
      ],
      "conditions": [
        "age 29 and under",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…",
        "members under 30, or university students of any age (full or part time)",
        "must be an Australian citizen or permanent resident and work in or have retired from the health sector, be a healthcare student or graduate, or be immediate family of a member"
      ],
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/ae92e68a-4104-4894-ba54-408c590a200b",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/ae92e68a-4104-4894-ba54-408c590a200b.json",
      "bank_last_updated": "2026-11-12T07:34:03.000+11:00",
      "balance_from": 0,
      "balance_to": 50000,
      "base_rate_pct": 5.75,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 5.75,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "legal_entity_abn": "30087650459",
      "product_id": "ae92e68a-4104-4894-ba54-408c590a200b",
      "product_name": "Starter Saver account",
      "product_label": "Starter Saver Account",
      "product_slug": "starter-saver-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/starter-saver-account/",
      "product_url": "https://www.hpbank.com.au/banking/starter-saver",
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": 29,
      "restrictions": [
        "occupation_membership",
        "age_limited"
      ],
      "conditions": [
        "age 29 and under",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…",
        "members under 30, or university students of any age (full or part time)",
        "must be an Australian citizen or permanent resident and work in or have retired from the health sector, be a healthcare student or graduate, or be immediate family of a member"
      ],
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/ae92e68a-4104-4894-ba54-408c590a200b",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/ae92e68a-4104-4894-ba54-408c590a200b.json",
      "bank_last_updated": "2026-11-12T07:34:03.000+11:00",
      "balance_from": 50000.01,
      "balance_to": null,
      "base_rate_pct": 4.75,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 4.75,
      "intro_total_rate_pct": null,
      "rate_application": "per_tier",
      "ranked": true,
      "unranked_reason": null
    },
    {
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "legal_entity_abn": "30087650459",
      "product_id": "1e296861-5b3e-4288-a383-ac8723ffdf39",
      "product_name": "Everyday Direct account",
      "product_label": "Everyday Direct Account",
      "product_slug": "everyday-direct-account",
      "page": "/au/finance/savings-accounts/accounts/health-professionals-bank/everyday-direct-account/",
      "product_url": "https://www.hpbank.com.au/banking/everyday-direct",
      "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "bonus_conditions": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "occupation_membership",
        "linked_account"
      ],
      "conditions": [
        "not updated by the bank since 2026-10-30, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "record_stale": true,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/1e296861-5b3e-4288-a383-ac8723ffdf39",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/health-professionals-bank/1e296861-5b3e-4288-a383-ac8723ffdf39.json",
      "bank_last_updated": "2026-10-30T16:32:47.000+11:00",
      "balance_from": 0,
      "balance_to": null,
      "base_rate_pct": 0.0,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 0.0,
      "intro_total_rate_pct": null,
      "rate_application": "whole_balance",
      "ranked": false,
      "unranked_reason": "transaction_account"
    }
  ],
  "licence_shared_with": [
    "Australian Mutual Bank",
    "Firefighters Mutual Bank",
    "Teachers Mutual Bank",
    "UniBank"
  ],
  "guarantee": {
    "adi": "Teachers Mutual Bank Limited",
    "abn": "30087650459",
    "shares_limit_with": [
      {
        "brand_slug": "teachers-mutual-bank",
        "brand_label": "Teachers Mutual Bank"
      },
      {
        "brand_slug": "australian-mutual-bank-ltd",
        "brand_label": "Australian Mutual Bank"
      },
      {
        "brand_slug": "firefighters-mutual-bank",
        "brand_label": "Firefighters Mutual Bank"
      },
      {
        "brand_slug": "unibank",
        "brand_label": "UniBank"
      }
    ],
    "may_share_limit_with": [],
    "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking"
  }
}