{ "brand": "Hume Bank", "brand_label": "Hume Bank", "brand_slug": "hume-bank", "legal_entity_abn": "85051868556", "public_base_uri": "https://ibankob.humebank.com.au/OpenBanking", "logo_uri": "https://ibankob.humebank.com.au/humebank.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-10T10:03:14Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":5.3,"base_rate_pct":0.01,"bonus_rate_pct":5.29,"intro_rate_pct":null,"intro_months":null,"product_label":"Reward Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":5.3,"base_rate_pct":0.01,"bonus_rate_pct":5.29,"intro_rate_pct":null,"intro_months":null,"product_label":"Reward Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"iSave","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":true}, {"segment":"smsf","kind":"ongoing","rate_pct":4.85,"base_rate_pct":4.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":null,"restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"intro","rate_pct":4.85,"base_rate_pct":4.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":null,"restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"base","rate_pct":4.85,"base_rate_pct":4.85,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":null,"restrictions":[],"record_stale":false}, {"segment":"business","kind":"ongoing","rate_pct":3.15,"base_rate_pct":3.15,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business iSave","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":3.15,"base_rate_pct":3.15,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business iSave","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":3.15,"base_rate_pct":3.15,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business iSave","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "deposit $10 or more each month", "Minimum age 14 for new to bank customers applying online", "bonus needs no withdrawals in the month as well as a deposit of $10 or more" ], "k2": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Restricted to registered iBank users and requires registration for electronic statements with a valid email address.", "Minimum age 14 for new to bank customers applying online", "over 18 to open online; under 18 must phone", "must be an Australian resident for tax purposes" ], "k3": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Restricted for registered iBank user and must be registered for eStatements with a valid email address" ] }, "unranked": { "products": 3, "transaction_account": 2, "offset_account": 1 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "S18V1", "product_name": "Business iSave", "product_label": "Business iSave", "product_slug": "business-isave", "page": "/au/finance/savings-accounts/accounts/hume-bank/business-isave/", "product_url": "https://www.humebank.com.au/business/business-isave-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/", "fees_url": "https://www.humebank.com.au/business/business-isave-account/", "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/", "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "An Online savings account designed for businesses to have the ability to earn interest with the flexibility of having cash on hand when needed.", "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": 3.15, "intro_pct": null, "base_pct": 3.15 }, "50000": { "ongoing_pct": 3.15, "intro_pct": null, "base_pct": 3.15 }, "250000": { "ongoing_pct": 3.15, "intro_pct": null, "base_pct": 3.15 } }, "rankings": [ { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 11, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 13, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 15, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 11, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 14, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 16, "of": 42 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 9, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 11, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 13, "of": 42 } ], "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": [ "No monthly account keeping fee" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "FEEFORCASH" ], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Restricted for registered iBank user and must be registered for eStatements with a valid email address" ], "eligibility": [ "Restricted for registered iBank user and must be registered for eStatements with a valid email address" ], "record_stale": true, "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S18V1", "source_snapshot": "/au/finance/savings-accounts/v1/source/hume-bank/S18V1.json", "snapshot_at": "2026-10-22T13:25:11Z", "bank_last_updated": "2026-10-14T10:20:44.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.humebank.com.au/business/business-isave-account/" ] } }, { "product_id": "S2V1", "product_name": "Clancy Koala", "product_label": "Clancy Koala", "product_slug": "clancy-koala", "page": "/au/finance/savings-accounts/accounts/hume-bank/clancy-koala/", "product_url": "https://www.humebank.com.au/savings/clancy-koala-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/", "fees_url": "https://www.humebank.com.au/savings/clancy-koala-account/", "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "One for little savers out there - Youth savings account for U12 years old", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "min_monthly_deposit", "value": 10, "text": "10" } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.3, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 5.3, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 5.3, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 46, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 42, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 35, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 53, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 49, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 43, "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": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Bonus interest available", "Passbook account", "No monthly account keeping fee", "Unlimited, electronic and staff assisted transactions" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "FEEFORCASH" ], "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": "only for a child aged 11 and under, opened by a parent, guardian or carer", "level": "product", "quote": "We’ve designed this account to get kids aged 11 and under started on their savings journey.", "source": "https://www.humebank.com.au/savings/clancy-koala-account/", "citation": { "quote": "We’ve designed this account to get kids aged 11 and under started on their savings journey.", "url": "https://www.humebank.com.au/savings/clancy-koala-account/#:~:text=We%E2%80%99ve%20designed%20this%20account%20to,started%20on%20their%20savings%20journey.", "document_sha256": "c23e18129265aa88b4614edf434fa63105b07b4e1509dd6522057cccffea8bb5", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "deposit $10 or more each month", "age 12 and under", "bonus needs no withdrawals in the month as well as a deposit of $10 or more", "only for a child aged 11 and under, opened by a parent, guardian or carer" ], "eligibility": [ "age 12 and under", "residency: Must be residing in Australia with an Australian residential mailing address" ], "record_stale": true, "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S2V1", "source_snapshot": "/au/finance/savings-accounts/v1/source/hume-bank/S2V1.json", "snapshot_at": "2026-10-22T13:25:11Z", "bank_last_updated": "2026-10-01T08:03:44.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.humebank.com.au/savings/clancy-koala-account/", "https://www.humebank.com.au/tools-help/product-tcs/", "https://www.humebank.com.au/media/2023/02/Product-Disclosure-Statement.pdf", "https://www.humebank.com.au/media/2023/02/Fees-Charges.pdf" ] } }, { "product_id": "S16V1", "product_name": "Community Link", "product_label": "Community Link", "product_slug": "community-link", "page": "/au/finance/savings-accounts/accounts/hume-bank/community-link/", "product_url": "https://www.humebank.com.au/community/community-link-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/", "fees_url": "https://www.humebank.com.au/community/community-link-account/", "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/", "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "A fee free account for not-for-profit, sporting, cultural or recreational groups", "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": 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": [ "Community Rewards Program", "Electronic or paper statements", "No monthly account keeping fee", "Unlimited, electronic and staff assisted transactions" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY" ], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "FEEFORCASH" ], "age_min": null, "age_max": null, "restrictions": [ "organisation_only" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "organisation", "who": "clubs, not-for-profits, schools or community organisations", "level": "product", "quote": "Community Link", "source": "name" } ], "open_note": null }, "conditions": [ "not updated by the bank since 2026-05-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "open only to clubs, not-for-profits, schools or community organisations", "Entity must not return any profit to members. The account must always be subject to a \"two to sign\" authority.", "Must have an ABN if seeking to participate in the Community Rewards program" ], "eligibility": [ "Entity must not return any profit to members. The account must always be subject to a \"two to sign\" authority.", "Must have an ABN if seeking to participate in the Community Rewards program" ], "record_stale": true, "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S16V1", "source_snapshot": "/au/finance/savings-accounts/v1/source/hume-bank/S16V1.json", "snapshot_at": "2026-10-22T13:25:11Z", "bank_last_updated": "2026-05-01T11:41:02.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.humebank.com.au/community/community-link-account/", "https://www.humebank.com.au/tools-help/product-tcs/", "https://www.humebank.com.au/media/2023/02/Product-Disclosure-Statement.pdf", "https://www.humebank.com.au/media/2023/02/Fees-Charges.pdf" ] } }, { "product_id": "S19V1", "product_name": "iSave", "product_label": "iSave", "product_slug": "isave", "page": "/au/finance/savings-accounts/accounts/hume-bank/isave/", "product_url": "https://www.humebank.com.au/savings/isave-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/", "fees_url": "https://www.humebank.com.au/savings/isave-account/", "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Enjoy access to your money anytime, anywhere without sacrificing interest.", "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": "base", "balance": 10000, "rank": 27, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 30, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 32, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "No monthly account keeping fee", "No regular deposit requirements or withdrawal restrictions to earn interest" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "FEEFORCASH" ], 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