{
  "brand": "HSBC Bank Australia Limited – Wholesale Banking",
  "brand_label": "HSBC (wholesale)",
  "brand_slug": "hsbc-bank-australia-limited-wholesale-banking",
  "legal_entity_abn": "48006434162",
  "public_base_uri": "https://public.ob.business.hsbc.com.au",
  "logo_uri": "https://www.hsbc.com.au/content/dam/hsbc/au/images/01_HSBC_MASTERBRAND_LOGO_RGB.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-02-05T03:31:07Z",
  "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": [],
    "condition_sets": {},
    "unranked": {
      "products": 5,
      "no_rate": 1,
      "transaction_account": 3,
      "other_segment": 1
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category",
  "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "CUA",
      "product_name": "Current Account",
      "product_label": "Current Account",
      "product_slug": "current-account",
      "page": "/au/finance/savings-accounts/accounts/hsbc-bank-australia-limited-wholesale-banking/current-account/",
      "product_url": "https://www.business.hsbc.com.au/-/media/library/markets-selective/australia/pdf/account-product-schedule.pdf",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates?DCSext.nav=quick-link",
      "fees_url": "https://www.business.hsbc.com.au/-/media/library/markets-selective/australia/pdf/corporate-banking-fees-and-charges.pdf",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal",
        "business"
      ],
      "segment": "personal",
      "description": "HSBC's primary current offering known as a Business Cheque Account is an interest bearing account aimed at meeting Corporate's daily banking needs with the flexibility of easy access and control. This account type is of particular relevance for clients with a need to conduct ACH transactions. Custo…",
      "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": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "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"
      ],
      "interest_paid": null,
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Cash Handling Fees - Local currency - [See info]",
        "Cash Handling Fees - Foreign currency - [See info]",
        "Transactions through an alliance bank branch - Deposits - cash",
        "Transactions through an alliance bank branch - Cheque cashing"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-12-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "the feed lists several base rates for one balance; the lowest is shown, up to 1.40% (10000000 and above PT3M)"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CUA",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/hsbc-bank-australia-limited-wholesale-banking/CUA.json",
      "snapshot_at": "2026-10-22T13:25:11Z",
      "bank_last_updated": "2025-12-09T02:39:04.535Z",
      "ranked": false,
      "unranked_reason": "no_rate",
      "row_count": 1
    },
    {
      "product_id": "ENA",
      "product_name": "Encashment Authority",
      "product_label": "Encashment Authority",
      "product_slug": "encashment-authority",
      "page": "/au/finance/savings-accounts/accounts/hsbc-bank-australia-limited-wholesale-banking/encashment-authority/",
      "product_url": "https://www.business.hsbc.com.au/en-au/products-and-solutions/bank",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.business.hsbc.com.au/-/media/library/markets-selective/australia/pdf/corporate-banking-fees-and-charges.pdf",
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Encashment Authority (ENA) is used by customers for cashing cheques at alliance bank branches for petty cash. The ENA is issued by HSBC to its alliance bank to remove the risk of a dishonoured cheque up to the limit agreed with the customer.",
      "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": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": false,
        "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": [
        "unlimited transactions"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-12-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [
        "business: Corporate use only. Product offering is subject to approval of credit limit."
      ],
      "record_stale": true,
      "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/ENA",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/hsbc-bank-australia-limited-wholesale-banking/ENA.json",
      "snapshot_at": "2026-10-22T13:25:11Z",
      "bank_last_updated": "2025-12-09T02:34:55.277Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    },
    {
      "product_id": "CUV",
      "product_name": "International Cash Management Account",
      "product_label": "International Cash Management Account",
      "product_slug": "international-cash-management-account",
      "page": "/au/finance/savings-accounts/accounts/hsbc-bank-australia-limited-wholesale-banking/international-cash-management-account/",
      "product_url": "https://www.business.hsbc.com.au/-/media/library/markets-selective/australia/pdf/corporate-banking-fees-and-charges.pdf",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates?DCSext.nav=quick-link",
      "fees_url": "https://www.business.hsbc.com.au/-/media/library/markets-selective/australia/pdf/corporate-banking-fees-and-charges.pdf",
      "eligibility_url": null,
      "account_type": "cash_management",
      "segments": [
        "other"
      ],
      "segment": "other",
      "description": "The International Cash Management Account is a At-Call account offering catering for HSBC's foreign currency account offering.",
      "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": false,
        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "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"
      ],
      "interest_paid": null,
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Cash Handling Fees - Local currency - [See info]",
        "Transactions through an alliance bank branch - Deposits - cash",
        "Transactions through an alliance bank branch - Cheque cashing"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-02-05, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "the feed lists several base rates for one balance; the lowest is shown, up to 0.85% (10000000 and above PT3M)"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CUV",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/hsbc-bank-australia-limited-wholesale-banking/CUV.json",
      "snapshot_at": "2026-10-22T13:25:11Z",
      "bank_last_updated": "2026-02-05T03:31:07.524Z",
      "ranked": false,
      "unranked_reason": "other_segment",
      "row_count": 1
    },
    {
      "product_id": "TNA",
      "product_name": "Transaction Negotiation Authority",
      "product_label": "Transaction Negotiation Authority",
      "product_slug": "transaction-negotiation-authority",
      "page": "/au/finance/savings-accounts/accounts/hsbc-bank-australia-limited-wholesale-banking/transaction-negotiation-authority/",
      "product_url": "https://www.business.hsbc.com.au/en-au/products-and-solutions/bank",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.business.hsbc.com.au/-/media/library/markets-selective/australia/pdf/corporate-banking-fees-and-charges.pdf",
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Transaction Negotiation Authority (TNA) is used when a corporate customer is using a third party payroll bureau to process payroll on behalf of the client. The “TNA” is issued by HSBC to the payroll bureau’s bank to remove the risk of failed settlement by the customer up to the limit agreed with th…",
      "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,
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      "notice_days": null,
      "rates_at_reference_balances": {
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        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
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        "card": null,
        "digital_wallets": [],
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        "payto": false,
        "bpay": false,
        "app": false,
        "notifications": true,
        "unlimited_transactions": false,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Transaction frequency and amount can be specified based on requirement"
        ]
      },
      "feature_tags": [
        "notifications"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": 100.0,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
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      "restrictions": [
        "via_third_party"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-12-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "opened only through an adviser, broker, intermediary or investment platform"
      ],
      "eligibility": [
        "business: Corporate customers only. Credit limit required."
      ],
      "record_stale": true,
      "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/TNA",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/hsbc-bank-australia-limited-wholesale-banking/TNA.json",
      "snapshot_at": "2026-10-22T13:25:11Z",
      "bank_last_updated": "2025-12-09T02:38:20.794Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    },
    {
      "product_id": "VA",
      "product_name": "Virtual Accounts",
      "product_label": "Virtual Accounts",
      "product_slug": "virtual-accounts",
      "page": "/au/finance/savings-accounts/accounts/hsbc-bank-australia-limited-wholesale-banking/virtual-accounts/",
      "product_url": "https://www.business.hsbc.com.au/en-au/home-b",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": null,
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "HSBC offers two types of Virtual Accounts (VA): (1) Traditional VA - A unique reference number in the format of a BSB and account number that payors can use to make a payment to help Wholesale banking customers with payor identification; (2) Next Generation Virtual Account Management - A solution t…",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
      "extra_bonuses": [],
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        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
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        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "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": [
          "Receivables reporting Virtual account transactions are identifiable in the regular bank s…"
        ]
      },
      "feature_tags": [
        "app",
        "unlimited transactions"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": 300.0,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
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      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-12-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [
        "business: Corporate customers only"
      ],
      "record_stale": true,
      "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/VA",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/hsbc-bank-australia-limited-wholesale-banking/VA.json",
      "snapshot_at": "2026-10-22T13:25:11Z",
      "bank_last_updated": "2025-12-09T02:35:55.519Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    }
  ],
  "rows": [
    {
      "brand": "HSBC Bank Australia Limited – Wholesale Banking",
      "brand_label": "HSBC (wholesale)",
      "brand_slug": "hsbc-bank-australia-limited-wholesale-banking",
      "legal_entity_abn": "48006434162",
      "product_id": "CUA",
      "product_name": "Current Account",
      "product_label": "Current Account",
      "product_slug": "current-account",
      "page": "/au/finance/savings-accounts/accounts/hsbc-bank-australia-limited-wholesale-banking/current-account/",
      "product_url": "https://www.business.hsbc.com.au/-/media/library/markets-selective/australia/pdf/account-product-schedule.pdf",
      "terms_url": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates?DCSext.nav=quick-link",
      "account_type": "savings",
      "segments": [
        "personal",
        "business"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
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      "age_max": null,
      "restrictions": [],
      "conditions": [
        "not updated by the bank since 2025-12-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "the feed lists several base rates for one balance; the lowest is shown, up to 1.40% (10000000 and above PT3M)"
      ],
      "record_stale": true,
      "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CUA",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/hsbc-bank-australia-limited-wholesale-banking/CUA.json",
      "bank_last_updated": "2025-12-09T02:39:04.535Z",
      "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": "no_rate"
    },
    {
      "brand": "HSBC Bank Australia Limited – Wholesale Banking",
      "brand_label": "HSBC (wholesale)",
      "brand_slug": "hsbc-bank-australia-limited-wholesale-banking",
      "legal_entity_abn": "48006434162",
      "product_id": "CUV",
      "product_name": "International Cash Management Account",
      "product_label": "International Cash Management Account",
      "product_slug": "international-cash-management-account",
      "page": "/au/finance/savings-accounts/accounts/hsbc-bank-australia-limited-wholesale-banking/international-cash-management-account/",
      "product_url": "https://www.business.hsbc.com.au/-/media/library/markets-selective/australia/pdf/corporate-banking-fees-and-charges.pdf",
      "terms_url": "https://www.business.hsbc.com.au/en-au/form-downloads-and-interest-rates?DCSext.nav=quick-link",
      "account_type": "cash_management",
      "segments": [
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      ],
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      "monthly_fee_note": null,
      "age_min": null,
      "age_max": null,
      "restrictions": [],
      "conditions": [
        "not updated by the bank since 2026-02-05, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "the feed lists several base rates for one balance; the lowest is shown, up to 0.85% (10000000 and above PT3M)"
      ],
      "record_stale": true,
      "source_url": "https://public.ob.business.hsbc.com.au/cds-au/v1/banking/products/CUV",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/hsbc-bank-australia-limited-wholesale-banking/CUV.json",
      "bank_last_updated": "2026-02-05T03:31:07.524Z",
      "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": "other_segment"
    }
  ],
  "licence_shared_with": [
    "HSBC"
  ],
  "guarantee": {
    "adi": "HSBC Bank Australia Limited",
    "abn": null,
    "shares_limit_with": [],
    "may_share_limit_with": [],
    "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking",
    "foreign_owned_incorporated_in_australia": true
  }
}
