{ "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "public_base_uri": "https://onlinebanking.horizonbank.com.au/openbanking", "logo_uri": "https://horizonbank.com.au/Client_Theme/imgs/horizon_logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-09T03:28:56Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Direct","account_type":"savings","reference_balances":[10000,50000],"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":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Direct","account_type":"savings","reference_balances":[10000,50000],"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":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Direct","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"ongoing","rate_pct":3.25,"base_rate_pct":3.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"intro","rate_pct":3.25,"base_rate_pct":3.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"base","rate_pct":3.25,"base_rate_pct":3.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "online account with no branch access", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "k2": [ "Super Fund" ] }, "unranked": { "products": 9, "transaction_account": 7, "offset_account": 2 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "S6_S60001", "product_name": "CASH MANAGEMENT", "product_label": "Cash Management", "product_slug": "cash-management", "page": "/au/finance/savings-accounts/accounts/horizon-bank/cash-management/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/cash-management/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "cash_management", "segments": [ "personal" ], "segment": "personal", "description": "Enjoy competitive interest rates without the need to lock your money away. The Cash Management account is used for flexible and quick access to large sums.", "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": 2.25, "intro_pct": null, "base_pct": 2.25 }, "250000": { "ongoing_pct": 3.5, "intro_pct": null, "base_pct": 3.5 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 67, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 67, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 31, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": true, "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": [ "Manage payments from your bank account using PayTo." ] }, "feature_tags": [ "app", "Osko", "PayID", "PayTo", "BPAY" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "eligibility": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S6_S60001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S6_S60001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:47:42.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 3, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://horizonbank.com.au/savings/savings-accounts/cash-management/", "https://horizonbank.com.au/more/important-info/disclosure-documents/", "https://horizonbank.com.au/reusable-documents/rates-fees/interest-rate-schedule/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/summary-of-accounts-access-facilities-features/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/general-terms-conditions/", "https://horizonbank.com.au/reusable-documents/rates-fees/fees-charges-schedule/" ] } }, { "product_id": "S8_S80001", "product_name": "CHRISTMAS CLUB", "product_label": "Christmas Club", "product_slug": "christmas-club", "page": "/au/finance/savings-accounts/accounts/horizon-bank/christmas-club/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/christmas-club/", "rate_correction": null, "interest_paid_correction": { "quote": "Interest : Calculated daily, paid 31st October", "url": "https://horizonbank.com.au/savings/savings-accounts/christmas-club/", "checked": "2026-11-01", "citation": { "quote": "Interest : Calculated daily, paid 31st October", "url": "https://horizonbank.com.au/savings/savings-accounts/christmas-club/#:~:text=Interest%20%3A%20Calculated%20daily%2C%20paid%2031st%20October", "document_sha256": "fe97cc065a7c4293c5d9f80822a076c35f0c7dde048a8cdb74a20f3df351d818", "confirmed": "2026-11-13" } }, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Christmas is an expensive time of year. Start budgeting early and be prepared with a Christmas Club account. Funds are available for withdrawal from 1 November to 31 January each 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": 2.25, "intro_pct": null, "base_pct": 2.25 }, "50000": { "ongoing_pct": 2.25, "intro_pct": null, "base_pct": 2.25 }, "250000": { "ongoing_pct": 2.25, "intro_pct": null, "base_pct": 2.25 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": false, "payto": false, "bpay": true, "app": true, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Funds are available for withdrawal from 1 November to 31 January each year." ] }, "feature_tags": [ "app", "Osko", "BPAY" ], "interest_paid": "annually", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY" ], "age_min": null, "age_max": null, "restrictions": [ "christmas_club" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "a Christmas club account: withdrawals are restricted for most of the year", "interest is paid once a year, on 31 October, not monthly", "funds can be withdrawn only from 1 november to 31 january each year", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "eligibility": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S8_S80001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S8_S80001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:50:26.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://horizonbank.com.au/savings/savings-accounts/christmas-club/", "https://horizonbank.com.au/more/important-info/disclosure-documents/", "https://horizonbank.com.au/reusable-documents/rates-fees/interest-rate-schedule/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/summary-of-accounts-access-facilities-features/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/general-terms-conditions/", "https://horizonbank.com.au/reusable-documents/rates-fees/fees-charges-schedule/" ] } }, { "product_id": "S10_S100001", "product_name": "HORIZON DIRECT", "product_label": "Direct", "product_slug": "direct", "page": "/au/finance/savings-accounts/accounts/horizon-bank/direct/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/popular-savings-accounts/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Horizon Direct is our online savings account that attracts a higher interest rate than a normal savings account, because you manage it online without branch assistance or branch 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": 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": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 64, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 66, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 65, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 67, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 26, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 29, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": true, "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": [ "anage payments from your bank account using PayTo." ] }, "feature_tags": [ "app", "Osko", "PayID", "PayTo", "BPAY" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "online account with no branch access", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "eligibility": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S10_S100001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S10_S100001.json", "snapshot_at": "2026-11-07T00:28:46Z", "bank_last_updated": "2026-11-04T10:48:36.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://horizonbank.com.au/savings/savings-accounts/horizon-direct/", "https://horizonbank.com.au/more/important-info/disclosure-documents/", "https://horizonbank.com.au/reusable-documents/rates-fees/interest-rate-schedule/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/summary-of-accounts-access-facilities-features/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/general-terms-conditions/", "https://horizonbank.com.au/reusable-documents/rates-fees/fees-charges-schedule/" ] } }, { "product_id": "S7_S7001", "product_name": "REWARD SAVER", "product_label": "Reward Saver", "product_slug": "reward-saver", "page": "/au/finance/savings-accounts/accounts/horizon-bank/reward-saver/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/reward-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "The Reward Saver account rewards you for saving. Deposit just $50 per month and make no withdrawals to earn the reward rate.", "bonus_is_total": null, "intro_is_total": false, "intro_is_bonus_rate": false, "intro_months": 3, "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": 0.5, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": 0.5, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": 0.5, "base_pct": 0.0 } }, "rankings": [], "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": [ "Bonus Interest - To earn bonus interest account holder must make a minimum $50 deposit an…", "3 month introductory bonus rate is available for new Reward Saver accounts" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY" ], "age_min": 18, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "to earn the 3.75% reward rate deposit at least $50 and make no withdrawals in each calendar month", "if the monthly condition is missed the reward rate is lost for that month", "the 1.00% intro bonus is fixed for 3 months and only for those who have never held a reward saver", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "eligibility": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S7_S7001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S7_S7001.json", "snapshot_at": "2026-11-10T03:14:14Z", "bank_last_updated": "2026-11-09T14:28:56.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://horizonbank.com.au/savings/savings-accounts/reward-saver/", "https://horizonbank.com.au/more/important-info/disclosure-documents/", "https://horizonbank.com.au/reusable-documents/rates-fees/interest-rate-schedule/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/summary-of-accounts-access-facilities-features/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/general-terms-conditions/", "https://horizonbank.com.au/reusable-documents/rates-fees/fees-charges-schedule/" ] } }, { "product_id": "S77_S770001", "product_name": "SMSF SAVER", "product_label": "SMSF Saver", "product_slug": "smsf-saver", "page": "/au/finance/savings-accounts/accounts/horizon-bank/smsf-saver/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/self-managed-super-fund-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "savings", "segments": [ "smsf" ], "segment": "smsf", "description": "The SMSF Saver is a savings account for registered self-managed super funds.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 3.25, "intro_pct": null, "base_pct": 3.25 }, "50000": { "ongoing_pct": 3.25, "intro_pct": null, "base_pct": 3.25 }, "250000": { "ongoing_pct": 3.25, "intro_pct": null, "base_pct": 3.25 } }, "rankings": [ { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 18, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 19, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 20, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 18, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 19, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 20, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 12, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 13, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 14, "of": 35 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": true, "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": [ "Manage payments from your bank account using PayTo." ] }, "feature_tags": [ "app", "Osko", "PayID", "PayTo", "BPAY" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "Super Fund" ], "eligibility": [ "Super Fund" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S77_S770001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S77_S770001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:53:17.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://horizonbank.com.au/savings/savings-accounts/self-managed-super-fund-saver/", "https://horizonbank.com.au/reusable-documents/rates-fees/interest-rate-schedule/" ] } }, { "product_id": "S15_S150001", "product_name": "SUPER SAVERS", "product_label": "Super Savers", "product_slug": "super-savers", "page": "/au/finance/savings-accounts/accounts/horizon-bank/super-savers/", "product_url": "https://horizonbank.com.au/savings/youth-accounts/super-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "An everyday account for children aged 0-12 years. The Super Saver account is a great start to teach your child the value of money and instil good savings habits from an early age.", "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": 5.5, "intro_pct": null, "base_pct": 2.5 }, "50000": { "ongoing_pct": 5.5, "intro_pct": null, "base_pct": 2.5 }, "250000": { "ongoing_pct": 5.5, "intro_pct": null, "base_pct": 2.5 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 32, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 28, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 23, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 42, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 38, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 32, "of": 91, "hidden_by_default": true } ], "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": [ "Earn bonus interest when a total of $2 or more is deposited and no withdrawals are made i…" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY" ], "age_min": null, "age_max": 12, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 12 and under", "level": "product", "quote": "MAX_AGE 12", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "for children aged 0 to 12 years", "level": "product", "quote": "An everyday account for children aged 0-12 years", "source": "https://horizonbank.com.au/savings/youth-accounts/super-saver/", "citation": { "quote": "An everyday account for children aged 0-12 years", "url": "https://horizonbank.com.au/savings/youth-accounts/super-saver/#:~:text=An%20everyday%20account%20for%20children%20aged%200%2D12%20years", "document_sha256": "f3fcd9b6428144189e5568b2fe90a2c788e31e115c8799cb92e7be94cc82b2e8", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "bonus conditions not stated in the feed", "age 12 and under", "to earn the 3.00% reward rate deposit $2 or more and make no withdrawals in each calendar month", "for children aged 0 to 12 years", "youth accounts are sole-holder only, no joint accounts", "a child under 13 needs a parent or guardian to consent and be a signatory", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "eligibility": [ "age 12 and under" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S15_S150001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S15_S150001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:51:11.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://horizonbank.com.au/savings/youth-accounts/super-saver/", "https://horizonbank.com.au/more/important-info/disclosure-documents/", "https://horizonbank.com.au/reusable-documents/rates-fees/interest-rate-schedule/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/summary-of-accounts-access-facilities-features/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/general-terms-conditions/", "https://horizonbank.com.au/reusable-documents/rates-fees/fees-charges-schedule/" ] } }, { "product_id": "S18_S180001", "product_name": "TEEN ACCOUNT", "product_label": "Teen Account", "product_slug": "teen-account", "page": "/au/finance/savings-accounts/accounts/horizon-bank/teen-account/", "product_url": "https://horizonbank.com.au/savings/youth-accounts/teen-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": "https://horizonbank.com.au/savings/youth-accounts/teen-saver/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "A flexible everyday account for teenagers aged 13-17 years that s easily managed with no transaction fees.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 4.25, "intro_pct": null, "base_pct": 4.25 }, "50000": { "ongoing_pct": 4.25, "intro_pct": null, "base_pct": 4.25 }, "250000": { "ongoing_pct": 4.25, "intro_pct": null, "base_pct": 4.25 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 10000, "rank": 34, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 32, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 33, "of": 91, "hidden_by_default": true } ], "features": { "card_access": true, "card": "Visa Debit", "digital_wallets": [ "Apple Pay, Samsung Pay and Google Pay" ], "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": [ "card", "app", "Osko", "PayID", "BPAY", "unlimited transactions", "wallets: Apple Pay, Samsung Pay and Google Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY", "VISA_CARD_INTERNATIONAL_TRANSACTION_FEE" ], "age_min": 13, "age_max": 18, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 18 and under", "level": "product", "quote": "MAX_AGE 18", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "for youths aged 13 to 17", "level": "product", "quote": "An everyday account for youths aged 13-17 years", "source": "https://horizonbank.com.au/savings/youth-accounts/teen-saver/", "citation": { "quote": "An everyday account for youths aged 13-17 years", "url": "https://horizonbank.com.au/savings/youth-accounts/teen-saver/#:~:text=An%20everyday%20account%20for%20youths%20aged%2013%2D17%20years", "document_sha256": "3929e195ccf414f333628e233555a02e3c935810c62b3c6eaaa860187cc9d40f", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "ages 13 to 18", "age 18 and under", "for youths aged 13 to 17", "youth accounts are sole-holder only, no joint accounts", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "eligibility": [ "age 18 and under" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S18_S180001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S18_S180001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:51:49.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://horizonbank.com.au/savings/youth-accounts/teen-saver/", "https://horizonbank.com.au/more/important-info/disclosure-documents/", "https://horizonbank.com.au/reusable-documents/rates-fees/interest-rate-schedule/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/summary-of-accounts-access-facilities-features/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/general-terms-conditions/", "https://horizonbank.com.au/reusable-documents/rates-fees/fees-charges-schedule/" ] } }, { "product_id": "S17_S170001", "product_name": "YOUTH REWARD SAVER", "product_label": "Youth Reward Saver", "product_slug": "youth-reward-saver", "page": "/au/finance/savings-accounts/accounts/horizon-bank/youth-reward-saver/", "product_url": "https://horizonbank.com.au/savings/youth-accounts/youth-reward-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": "https://horizonbank.com.au/savings/youth-accounts/youth-reward-saver/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "High interest savings account for youths aged 13-17 years. Earn an interest reward when a total of $10 or more is deposited and no withdrawals are made in each calendar month", "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": 5.5, "intro_pct": null, "base_pct": 2.5 }, "50000": { "ongoing_pct": 5.5, "intro_pct": null, "base_pct": 2.5 }, "250000": { "ongoing_pct": 5.5, "intro_pct": null, "base_pct": 2.5 } }, "rankings": [], "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": [] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY" ], "age_min": 13, "age_max": 17, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 17 and under", "level": "product", "quote": "MAX_AGE 17", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "for members aged 13 to 17 years", "level": "product", "quote": "This account is for members aged 13 to 17 years.", "source": "https://horizonbank.com.au/savings/youth-accounts/youth-reward-saver/", "citation": { "quote": "This account is for members aged 13 to 17 years.", "url": "https://horizonbank.com.au/savings/youth-accounts/youth-reward-saver/#:~:text=This%20account%20is%20for%20members%20aged%2013%20to%2017%20years.", "document_sha256": "dbbad585fda72405e8e7a610c77e8fdeaccc52676cde12423aff9d85ff9e505f", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "bonus conditions not stated in the feed", "ages 13 to 17", "age 17 and under", "to earn the 3.00% reward rate deposit $10 or more and make no withdrawals in each calendar month", "for members aged 13 to 17 years", "youth accounts are sole-holder only, no joint accounts", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "eligibility": [ "age 17 and under" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S17_S170001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S17_S170001.json", "snapshot_at": "2026-11-12T02:33:04Z", "bank_last_updated": "2026-11-04T10:51:36.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://horizonbank.com.au/savings/youth-accounts/youth-reward-saver/", "https://horizonbank.com.au/more/important-info/disclosure-documents/", "https://horizonbank.com.au/reusable-documents/rates-fees/interest-rate-schedule/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/summary-of-accounts-access-facilities-features/", "https://horizonbank.com.au/reusable-documents/disclosure-documents/general-terms-conditions/", "https://horizonbank.com.au/reusable-documents/rates-fees/fees-charges-schedule/" ] } }, { "product_id": "S55_S550001", "product_name": "ADVANTAGE 55", "product_label": "Advantage 55", "product_slug": "advantage-55", "page": "/au/finance/savings-accounts/accounts/horizon-bank/advantage-55/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/advantage-55/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "Our most popular everyday transaction account for customers aged 55 and over, featuring a wide range of account access options.", "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": 1.6, "intro_pct": null, "base_pct": 1.6 }, "250000": { "ongoing_pct": 2.12, "intro_pct": null, "base_pct": 2.12 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit", "digital_wallets": [ "Apple Pay, Samsung Pay and Google Pay" ], "osko": true, "payid": true, "payto": true, "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": [ "Manage payments from your bank account using PayTo." ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "unlimited transactions", "wallets: Apple Pay, Samsung Pay and Google Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY", "VISA_CARD_INTERNATIONAL_TRANSACTION_FEE" ], "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" ], "eligibility": [ "age 55 and over" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S55_S550001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S55_S550001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:52:23.000+11:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 4 }, { "product_id": "S11_S110001", "product_name": "BUSINESS SAVINGS", "product_label": "Business Savings", "product_slug": "business-savings", "page": "/au/finance/savings-accounts/accounts/horizon-bank/business-savings/", "product_url": "https://horizonbank.com.au/more/business-banking/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "account_type": "transaction", "segments": [ "business" ], "segment": "business", "description": "Our Business Savings is ideal for small to medium business owners looking to manage cash flow.Take advantage of the wide range of access options available and added benefit of online business 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": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit", "digital_wallets": [ "Apple Pay, Samsung Pay and Google Pay" ], "osko": true, "payid": true, "payto": true, "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": [ "Manage payments from your bank account using PayTo." ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "wallets: Apple Pay, Samsung Pay and Google Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": 10.0, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY", "VISA_CARD_INTERNATIONAL_TRANSACTION_FEE" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [], "eligibility": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S11_S110001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S11_S110001.json", "snapshot_at": "2026-11-06T01:09:12Z", "bank_last_updated": "2026-11-06T11:46:53.000+11:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "S2_S2_S20001", "product_name": "CALL SAVINGS", "product_label": "Call Savings – S2 S20001", "product_slug": "call-savings-s2-s20001", "page": "/au/finance/savings-accounts/accounts/horizon-bank/call-savings-s2-s20001/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/special-purpose-savings/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "CALL 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": 0.01, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit", "digital_wallets": [ "Apple Pay, Samsung Pay and Google Pay" ], "osko": true, "payid": true, "payto": true, "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": [ "Manage payments from your bank account using PayTo." ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "unlimited transactions", "wallets: Apple Pay, Samsung Pay and Google Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY", "VISA_CARD_INTERNATIONAL_TRANSACTION_FEE" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [], "eligibility": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S2_S2_S20001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S2_S2_S20001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:49:23.000+11:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "S4_S4_S40001", "product_name": "CALL SAVINGS", "product_label": "Call Savings – S4 S40001", "product_slug": "call-savings-s4-s40001", "page": "/au/finance/savings-accounts/accounts/horizon-bank/call-savings-s4-s40001/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/special-purpose-savings/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "CALL 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": 0.01, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit", "digital_wallets": [ "Apple Pay, Samsung Pay and Google Pay" ], "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": [ "card", "app", "Osko", "PayID", "BPAY", "unlimited transactions", "wallets: Apple Pay, Samsung Pay and Google Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY", "VISA_CARD_INTERNATIONAL_TRANSACTION_FEE" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [], "eligibility": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S4_S4_S40001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S4_S4_S40001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:49:51.000+11:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "S12_S120001", "product_name": "COMMERCIAL SPECIAL PUR", "product_label": "Commercial Special Pur", "product_slug": "commercial-special-pur", "page": "/au/finance/savings-accounts/accounts/horizon-bank/commercial-special-pur/", "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "transaction", "segments": [ "business" ], "segment": "business", "description": "COMMERCIAL SPECIAL PUR", "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": null, "50000": null, "250000": null }, "rankings": [], "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": [] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY" ], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "eligibility": [], "record_stale": true, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S12_S120001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S12_S120001.json", "snapshot_at": "2026-10-22T13:25:10Z", "bank_last_updated": "2026-10-12T09:52:12.000+11:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 0 }, { "product_id": "S5_S5_S50001", "product_name": "INSURANCE SAVINGS", "product_label": "Insurance Savings", "product_slug": "insurance-savings", "page": "/au/finance/savings-accounts/accounts/horizon-bank/insurance-savings/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/special-purpose-savings/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "INSURANCE 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": 0.01, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit", "digital_wallets": [ "Apple Pay, Samsung Pay and Google Pay" ], "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": [ "card", "app", "Osko", "PayID", "BPAY", "unlimited transactions", "wallets: Apple Pay, Samsung Pay and Google Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY", "VISA_CARD_INTERNATIONAL_TRANSACTION_FEE" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [], "eligibility": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S5_S5_S50001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S5_S5_S50001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:50:01.000+11:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "S75_S750001", "product_name": "OFFSET SAVINGS", "product_label": "Offset Savings – S750001", "product_slug": "offset-savings-s750001", "page": null, "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "offset", "segments": [ "personal" ], "segment": "personal", "description": "OFFSET 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": 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", "digital_wallets": [ "Apple Pay, Samsung Pay and Google Pay" ], "osko": true, "payid": true, "payto": true, "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": [ "Manage payments from your bank account using PayTo." ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "wallets: Apple Pay, Samsung Pay and Google Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY", "VISA_CARD_INTERNATIONAL_TRANSACTION_FEE" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [], "eligibility": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S75_S750001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S75_S750001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:52:48.000+11:00", "ranked": false, "unranked_reason": "offset_account", "row_count": 1 }, { "product_id": "S76_S760001", "product_name": "OFFSET SAVINGS", "product_label": "Offset Savings – S760001", "product_slug": "offset-savings-s760001", "page": null, "product_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "offset", "segments": [ "personal" ], "segment": "personal", "description": "OFFSET 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": 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", "digital_wallets": [ "Apple Pay, Samsung Pay and Google Pay" ], "osko": true, "payid": true, "payto": true, "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": [ "Manage payments from your bank account using PayTo." ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "wallets: Apple Pay, Samsung Pay and Google Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "BULK_COIN_COUNTAGE", "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY", "VISA_CARD_INTERNATIONAL_TRANSACTION_FEE" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [], "eligibility": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S76_S760001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S76_S760001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:52:57.000+11:00", "ranked": false, "unranked_reason": "offset_account", "row_count": 1 }, { "product_id": "S1_S1001", "product_name": "REDISAVINGS", "product_label": "Redisavings", "product_slug": "redisavings", "page": "/au/finance/savings-accounts/accounts/horizon-bank/redisavings/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/redisavings/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "fees_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "eligibility_url": null, "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "Redisavings is our most popular everyday bank account for adults with a range of access options", "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": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit", "digital_wallets": [ "Apple Pay, Samsung Pay and Google Pay" ], "osko": true, "payid": true, "payto": true, "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": [ "Manage payments from your bank account using PayTo." ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "PayTo", "BPAY", "unlimited transactions", "wallets: Apple Pay, Samsung Pay and Google Pay" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY", "BULK_COIN_COUNTAGE", "VISA_CARD_INTERNATIONAL_TRANSACTION_FEE" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [], "eligibility": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S1_S1001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S1_S1001.json", "snapshot_at": "2026-11-05T03:31:39Z", "bank_last_updated": "2026-11-04T10:49:31.000+11:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 } ], "rows": [ { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S6_S60001", "product_name": "CASH MANAGEMENT", "product_label": "Cash Management", "product_slug": "cash-management", "page": "/au/finance/savings-accounts/accounts/horizon-bank/cash-management/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/cash-management/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": [], "conditions": [ "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S6_S60001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S6_S60001.json", "bank_last_updated": "2026-11-04T10:47:42.000+11:00", "balance_from": 0, "balance_to": 49999.99, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S6_S60001", "product_name": "CASH MANAGEMENT", "product_label": "Cash Management", "product_slug": "cash-management", "page": "/au/finance/savings-accounts/accounts/horizon-bank/cash-management/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/cash-management/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": [], "conditions": [ "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S6_S60001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S6_S60001.json", "bank_last_updated": "2026-11-04T10:47:42.000+11:00", "balance_from": 50000, "balance_to": 249999.99, "base_rate_pct": 2.25, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 2.25, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S6_S60001", "product_name": "CASH MANAGEMENT", "product_label": "Cash Management", "product_slug": "cash-management", "page": "/au/finance/savings-accounts/accounts/horizon-bank/cash-management/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/cash-management/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": [], "conditions": [ "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S6_S60001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S6_S60001.json", "bank_last_updated": "2026-11-04T10:47:42.000+11:00", "balance_from": 250000, "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": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S8_S80001", "product_name": "CHRISTMAS CLUB", "product_label": "Christmas Club", "product_slug": "christmas-club", "page": "/au/finance/savings-accounts/accounts/horizon-bank/christmas-club/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/christmas-club/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": "annually", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "christmas_club" ], "conditions": [ "a Christmas club account: withdrawals are restricted for most of the year", "interest is paid once a year, on 31 October, not monthly", "funds can be withdrawn only from 1 november to 31 january each year", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S8_S80001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S8_S80001.json", "bank_last_updated": "2026-11-04T10:50:26.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 2.25, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 2.25, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S10_S100001", "product_name": "HORIZON DIRECT", "product_label": "Direct", "product_slug": "direct", "page": "/au/finance/savings-accounts/accounts/horizon-bank/direct/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/popular-savings-accounts/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": [], "conditions": [ "online account with no branch access", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S10_S100001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S10_S100001.json", "bank_last_updated": "2026-11-04T10:48:36.000+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": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S7_S7001", "product_name": "REWARD SAVER", "product_label": "Reward Saver", "product_slug": "reward-saver", "page": "/au/finance/savings-accounts/accounts/horizon-bank/reward-saver/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/reward-saver/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": false, "intro_months": 3, "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": 18, "age_max": null, "restrictions": [], "conditions": [ "to earn the 3.75% reward rate deposit at least $50 and make no withdrawals in each calendar month", "if the monthly condition is missed the reward rate is lost for that month", "the 1.00% intro bonus is fixed for 3 months and only for those who have never held a reward saver", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S7_S7001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S7_S7001.json", "bank_last_updated": "2026-11-09T14:28:56.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": 0.5, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": 0.5, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S77_S770001", "product_name": "SMSF SAVER", "product_label": "SMSF Saver", "product_slug": "smsf-saver", "page": "/au/finance/savings-accounts/accounts/horizon-bank/smsf-saver/", "product_url": "https://horizonbank.com.au/savings/savings-accounts/self-managed-super-fund-saver/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "account_type": "savings", "segments": [ "smsf" ], "segment": "smsf", "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": [], "conditions": [ "Super Fund" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S77_S770001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S77_S770001.json", "bank_last_updated": "2026-11-04T10:53:17.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 3.25, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 3.25, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S15_S150001", "product_name": "SUPER SAVERS", "product_label": "Super Savers", "product_slug": "super-savers", "page": "/au/finance/savings-accounts/accounts/horizon-bank/super-savers/", "product_url": "https://horizonbank.com.au/savings/youth-accounts/super-saver/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": 12, "restrictions": [ "age_limited" ], "conditions": [ "bonus conditions not stated in the feed", "age 12 and under", "to earn the 3.00% reward rate deposit $2 or more and make no withdrawals in each calendar month", "for children aged 0 to 12 years", "youth accounts are sole-holder only, no joint accounts", "a child under 13 needs a parent or guardian to consent and be a signatory", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S15_S150001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S15_S150001.json", "bank_last_updated": "2026-11-04T10:51:11.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 2.5, "bonus_rate_pct": 3.0, "intro_rate_pct": null, "ongoing_rate_pct": 5.5, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S18_S180001", "product_name": "TEEN ACCOUNT", "product_label": "Teen Account", "product_slug": "teen-account", "page": "/au/finance/savings-accounts/accounts/horizon-bank/teen-account/", "product_url": "https://horizonbank.com.au/savings/youth-accounts/teen-saver/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": 13, "age_max": 18, "restrictions": [ "age_limited" ], "conditions": [ "ages 13 to 18", "age 18 and under", "for youths aged 13 to 17", "youth accounts are sole-holder only, no joint accounts", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S18_S180001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S18_S180001.json", "bank_last_updated": "2026-11-04T10:51:49.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 4.25, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 4.25, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S17_S170001", "product_name": "YOUTH REWARD SAVER", "product_label": "Youth Reward Saver", "product_slug": "youth-reward-saver", "page": "/au/finance/savings-accounts/accounts/horizon-bank/youth-reward-saver/", "product_url": "https://horizonbank.com.au/savings/youth-accounts/youth-reward-saver/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 13, "age_max": 17, "restrictions": [ "age_limited" ], "conditions": [ "bonus conditions not stated in the feed", "ages 13 to 17", "age 17 and under", "to earn the 3.00% reward rate deposit $10 or more and make no withdrawals in each calendar month", "for members aged 13 to 17 years", "youth accounts are sole-holder only, no joint accounts", "you must be an australian citizen or resident", "opening needs a $2 membership share in horizon credit union, which earns no interest" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S17_S170001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S17_S170001.json", "bank_last_updated": "2026-11-04T10:51:36.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 2.5, "bonus_rate_pct": 3.0, "intro_rate_pct": null, "ongoing_rate_pct": 5.5, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S55_S550001", "product_name": "ADVANTAGE 55", "product_label": "Advantage 55", "product_slug": "advantage-55", "page": "/au/finance/savings-accounts/accounts/horizon-bank/advantage-55/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/advantage-55/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": 55, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "age 55 and over" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S55_S550001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S55_S550001.json", "bank_last_updated": "2026-11-04T10:52:23.000+11:00", "balance_from": 0, "balance_to": 9999.99, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S55_S550001", "product_name": "ADVANTAGE 55", "product_label": "Advantage 55", "product_slug": "advantage-55", "page": "/au/finance/savings-accounts/accounts/horizon-bank/advantage-55/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/advantage-55/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": 55, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "age 55 and over" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S55_S550001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S55_S550001.json", "bank_last_updated": "2026-11-04T10:52:23.000+11:00", "balance_from": 10000, "balance_to": 49999.99, "base_rate_pct": 2.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 2.0, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S55_S550001", "product_name": "ADVANTAGE 55", "product_label": "Advantage 55", "product_slug": "advantage-55", "page": "/au/finance/savings-accounts/accounts/horizon-bank/advantage-55/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/advantage-55/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": 55, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "age 55 and over" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S55_S550001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S55_S550001.json", "bank_last_updated": "2026-11-04T10:52:23.000+11:00", "balance_from": 50000, "balance_to": 249999.99, "base_rate_pct": 2.25, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 2.25, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S55_S550001", "product_name": "ADVANTAGE 55", "product_label": "Advantage 55", "product_slug": "advantage-55", "page": "/au/finance/savings-accounts/accounts/horizon-bank/advantage-55/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/advantage-55/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": 55, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "age 55 and over" ], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S55_S550001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S55_S550001.json", "bank_last_updated": "2026-11-04T10:52:23.000+11:00", "balance_from": 250000, "balance_to": null, "base_rate_pct": 2.75, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 2.75, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S11_S110001", "product_name": "BUSINESS SAVINGS", "product_label": "Business Savings", "product_slug": "business-savings", "page": "/au/finance/savings-accounts/accounts/horizon-bank/business-savings/", "product_url": "https://horizonbank.com.au/more/business-banking/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "account_type": "transaction", "segments": [ "business" ], "segment": "business", "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": 10.0, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S11_S110001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S11_S110001.json", "bank_last_updated": "2026-11-06T11:46:53.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S2_S2_S20001", "product_name": "CALL SAVINGS", "product_label": "Call Savings – S2 S20001", "product_slug": "call-savings-s2-s20001", "page": "/au/finance/savings-accounts/accounts/horizon-bank/call-savings-s2-s20001/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/special-purpose-savings/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": [], "conditions": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S2_S2_S20001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S2_S2_S20001.json", "bank_last_updated": "2026-11-04T10:49:23.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S4_S4_S40001", "product_name": "CALL SAVINGS", "product_label": "Call Savings – S4 S40001", "product_slug": "call-savings-s4-s40001", "page": "/au/finance/savings-accounts/accounts/horizon-bank/call-savings-s4-s40001/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/special-purpose-savings/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": [], "conditions": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S4_S4_S40001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S4_S4_S40001.json", "bank_last_updated": "2026-11-04T10:49:51.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S5_S5_S50001", "product_name": "INSURANCE SAVINGS", "product_label": "Insurance Savings", "product_slug": "insurance-savings", "page": "/au/finance/savings-accounts/accounts/horizon-bank/insurance-savings/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/special-purpose-savings/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": [], "conditions": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S5_S5_S50001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S5_S5_S50001.json", "bank_last_updated": "2026-11-04T10:50:01.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S75_S750001", "product_name": "OFFSET SAVINGS", "product_label": "Offset Savings – S750001", "product_slug": "offset-savings-s750001", "page": null, "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "account_type": "offset", "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": [], "conditions": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S75_S750001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S75_S750001.json", "bank_last_updated": "2026-11-04T10:52:48.000+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": "offset_account" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S76_S760001", "product_name": "OFFSET SAVINGS", "product_label": "Offset Savings – S760001", "product_slug": "offset-savings-s760001", "page": null, "product_url": "https://horizonbank.com.au/more/important-info/fees-and-charges/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "account_type": "offset", "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": [], "conditions": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S76_S760001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S76_S760001.json", "bank_last_updated": "2026-11-04T10:52:57.000+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": "offset_account" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "S1_S1001", "product_name": "REDISAVINGS", "product_label": "Redisavings", "product_slug": "redisavings", "page": "/au/finance/savings-accounts/accounts/horizon-bank/redisavings/", "product_url": "https://horizonbank.com.au/savings/everyday-accounts/redisavings/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "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": [], "conditions": [], "record_stale": false, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/S1_S1001", "source_snapshot": "/au/finance/savings-accounts/v1/source/horizon-bank/S1_S1001.json", "bank_last_updated": "2026-11-04T10:49:31.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" } ], "licence_shared_with": [], "guarantee": null }