{ "brand": "Judo Bank", "brand_label": "Judo Bank", "brand_slug": "judo-bank", "legal_entity_abn": "11615995581", "public_base_uri": "https://public.open.judo.bank", "logo_uri": "https://www.judo.bank/wp-content/uploads/2025/04/Judo_Assets_120721_Master-scaled.png", "status": "ok", "stale": false, "bank_last_updated": "2026-10-07T23:43:39Z", "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":5.6,"base_rate_pct":0.05,"bonus_rate_pct":5.55,"intro_rate_pct":null,"intro_months":null,"product_label":"Personal Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":5.6,"base_rate_pct":0.05,"bonus_rate_pct":5.55,"intro_rate_pct":null,"intro_months":null,"product_label":"Personal Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":0.05,"base_rate_pct":0.05,"bonus_rate_pct":5.55,"intro_rate_pct":null,"intro_months":null,"product_label":"Personal Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":5.36,"base_rate_pct":0.05,"bonus_rate_pct":5.31,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["linked_account"],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":5.36,"base_rate_pct":0.05,"bonus_rate_pct":5.31,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["linked_account"],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":0.05,"base_rate_pct":0.05,"bonus_rate_pct":5.31,"intro_rate_pct":null,"intro_months":null,"product_label":"SMSF Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["linked_account"],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":5.1,"base_rate_pct":5.1,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account"],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":5.1,"base_rate_pct":5.1,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account"],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":5.1,"base_rate_pct":5.1,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account"],"record_stale":true} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "deposit $300 or more each month", "Can be a Joint -applicant", "a minimum balance of $1,000 to open and keep the account", "money goes in and out only through a nominated account in your name at another bank", "withdrawals do not lose the bonus, and the balance does not have to grow", "a deposit from another bank can take 1-2 business days to be credited", "withdrawals are capped at $20,000 a day unless Judo agrees a one-off higher limit" ], "k2": [ "not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "deposit $500 or more each month", "Judo SMSF Savings Account - only available to one corporate trustee of an SMSF or two to four individual trustees.", "a minimum balance of $1,000 to open and keep the account", "a nominated bank account in the SMSF's name is required", "a deposit from another bank can take 1-2 business days to be credited", "withdrawals are capped at $20,000 a day unless Judo agrees a one-off higher limit", "only for SMSFs with one corporate trustee or two to four individual trustees", "not open to single-member SMSFs at present, whether the trustee is a company or individuals" ], "k3": [ "not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Judo Business Savings Account - Only the following business entities are eligible to apply online: Private Company Provide an ABN Maximum number of directors i…", "a minimum balance of $1,000 to open and keep the account", "a nominated account at another bank in the business's name is required", "withdrawals are capped at $20,000 a day unless Judo agrees a one-off higher limit" ] }, "unranked": { "products": 1, "no_rate": 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": "09e5a9e5-f73c-434a-1021-f6f1574e4554", "product_name": "Business Savings Account", "product_label": "Business Savings Account", "product_slug": "business-savings-account", "page": "/au/finance/savings-accounts/accounts/judo-bank/business-savings-account/", "product_url": "https://www.judo.bank/savings-accounts/business-savings-account", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": { "quote": "The minimum balance for a JSA is $1,000.", "url": "https://www.judo.bank/wp-content/uploads/2026/07/Judo-Bank-Savings-Accounts-Terms-and-Conditions-20260709.pdf", "checked": "2026-11-02", "citation": { "quote": "The minimum balance for a JSA is $1,000.", "url": "https://www.judo.bank/wp-content/uploads/2026/07/Judo-Bank-Savings-Accounts-Terms-and-Conditions-20260709.pdf#page=29", "page": 29, "document_sha256": "008f294896182d255f151acfbae230603a42b63db3722b32c4916752bc5df1ce", "confirmed": "2026-11-13" } }, "terms_url": "https://www.judo.bank/savings-account-terms-and-conditions/", "fees_url": null, "eligibility_url": "https://www.judo.bank/savings-accounts/business-savings-account", "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "A competitive High Interest at-call savings account for Businesses.", "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": 1000, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.1, "intro_pct": null, "base_pct": 5.1 }, "50000": { "ongoing_pct": 5.1, "intro_pct": null, "base_pct": 5.1 }, "250000": { "ongoing_pct": 5.1, "intro_pct": null, "base_pct": 5.1 } }, "rankings": [ { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 5, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 5, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 5, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 7, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 7, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 6, "of": 42 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 3, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 3, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 3, "of": 42 } ], "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": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Fund via Direct Entry." ] }, "feature_tags": [ "app" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 18, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Judo Business Savings Account - Only the following business entities are eligible to apply online: Private Company Provide an ABN Maximum number of directors i…", "a minimum balance of $1,000 to open and keep the account", "a nominated account at another bank in the business's name is required", "withdrawals are capped at $20,000 a day unless Judo agrees a one-off higher limit" ], "eligibility": [ "Judo Business Savings Account - Only the following business entities are eligible to apply online: Private Company Provide an ABN Maximum number of directors is 9 Shareholders must be individuals The company and all directors and shareholders must be Australian tax residents. We cannot accept applications from foreign tax residents Trust with individual trustee(s) Provide an ABN (you cannot apply without one) Provide a certified copy of your trust deed and any amendments Each trustee must be an Australian tax resident individual. We cannot accept applications from foreign tax residents Maximum number of trustees is 6 Incorporated Association Provide an ABN and incorporation registration number (you cannot apply without them) Provide a copy of your Incorporation Certification Chairman, Secretary and Treasurer will need to verify their identity" ], "record_stale": true, "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09e5a9e5-f73c-434a-1021-f6f1574e4554", "source_snapshot": "/au/finance/savings-accounts/v1/source/judo-bank/09e5a9e5-f73c-434a-1021-f6f1574e4554.json", "snapshot_at": "2026-11-05T03:31:41Z", "bank_last_updated": "2026-10-07T23:42:05.681805Z", "ranked": true, "unranked_reason": null, "row_count": 3, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.judo.bank/savings-accounts/business-savings-account", "https://www.judo.bank/wp-content/uploads/2026/07/Judo-Bank-Savings-Accounts-Terms-and-Conditions-20260709.pdf" ] } }, { "product_id": "63e5a9e5-f73c-434a-9221-f6f1574e4554", "product_name": "Personal Savings Account", "product_label": "Personal Savings Account", "product_slug": "personal-savings-account", "page": "/au/finance/savings-accounts/accounts/judo-bank/personal-savings-account/", "product_url": "https://www.judo.bank/savings-accounts/personal-savings-account", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": { "quote": "The minimum balance for a JSA is $1,000.", "url": "https://www.judo.bank/wp-content/uploads/2026/07/Judo-Bank-Savings-Accounts-Terms-and-Conditions-20260709.pdf", "checked": "2026-11-02", "citation": { "quote": "The minimum balance for a JSA is $1,000.", "url": "https://www.judo.bank/wp-content/uploads/2026/07/Judo-Bank-Savings-Accounts-Terms-and-Conditions-20260709.pdf#page=29", "page": 29, "document_sha256": "008f294896182d255f151acfbae230603a42b63db3722b32c4916752bc5df1ce", "confirmed": "2026-11-13" } }, "terms_url": "https://www.judo.bank/savings-account-terms-and-conditions/", "fees_url": null, "eligibility_url": "https://www.judo.bank/savings-accounts/personal-savings-account", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "A High Interest at-call savings account with bonus interest rates if monthly criteria is met.", "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": 300, "text": "To trigger the bonus rate, simply deposit $300 or more into your savings account each calendar month." } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": 1000, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.6, "intro_pct": null, "base_pct": 0.05 }, "50000": { "ongoing_pct": 5.6, "intro_pct": null, "base_pct": 0.05 }, "250000": { "ongoing_pct": 5.6, "intro_pct": null, "base_pct": 0.05 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 14, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 13, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 10, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 26, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 25, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 20, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 74, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 75, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 75, "of": 79 } ], "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": true, "round_up": false, "joint": true, "joint_bonus": null, "joint_not_for": null, "other": [ "Fund via Direct Entry." ] }, "feature_tags": [ "app", "joint accounts" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 18, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; 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This suits funds in accumulation phase or those holding cash buffers." } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": 1000, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.36, "intro_pct": null, "base_pct": 0.05 }, "50000": { "ongoing_pct": 5.36, "intro_pct": null, "base_pct": 0.05 }, "250000": { "ongoing_pct": 5.36, "intro_pct": null, "base_pct": 0.05 } }, "rankings": [ { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 4, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 4, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 3, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 5, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 5, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 5, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 34, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 35, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 35, "of": 35 } ], "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": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Funds via Direct Entry." ] }, "feature_tags": [ "app" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 18, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; 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