{
  "brand": "ME Bank - ME Go",
  "brand_label": "ME Bank",
  "brand_slug": "me-bank-me-go",
  "legal_entity_abn": "32009656740",
  "public_base_uri": "https://api.cds.mebank.com.au",
  "logo_uri": "https://www.mebank.com.au/getmedia/c79ff77e-5b3b-4410-9a1b-98e98a79f025/ME-logo-600px-black-transparent.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-11T22:10:09Z",
  "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":4.85,"base_rate_pct":0.05,"bonus_rate_pct":4.8,"intro_rate_pct":null,"intro_months":null,"product_label":"SaveME","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":500000,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":4.85,"base_rate_pct":0.05,"bonus_rate_pct":4.8,"intro_rate_pct":null,"intro_months":null,"product_label":"SaveME","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":500000,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":0.05,"base_rate_pct":0.05,"bonus_rate_pct":4.8,"intro_rate_pct":null,"intro_months":null,"product_label":"SaveME","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":500000,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "linked transaction account required",
        "A smartphone that supports iOS 12.0+ or Android 8.0+.",
        "An Australian mobile number",
        "An Australian residential address",
        "An Australian drivers licence or Australian passport or Medicare card",
        "bonus needs four or more card transactions a month on the Visa Debit card of a linked SpendME account in the same name(s)"
      ]
    },
    "unranked": {
      "products": 2,
      "detail_unavailable": 1,
      "transaction_account": 1
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category",
  "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.",
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      "product_name": "SaveME",
      "product_label": "SaveME",
      "product_slug": "saveme",
      "page": "/au/finance/savings-accounts/accounts/me-bank-me-go/saveme/",
      "product_url": "https://www.mebank.com.au/banking/saveme",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.mebank.com.au/me-app/in-app/terms-and-conditions/",
      "fees_url": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf",
      "eligibility_url": "https://www.mebank.com.au/banking/online-savings-account/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "ME's goal-oriented Savings Account packed with smart and supportive features.",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "linked_account",
          "value": null,
          "text": "linked"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": 500000,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
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          "intro_pct": null,
          "base_pct": 0.05
        },
        "50000": {
          "ongoing_pct": 4.85,
          "intro_pct": null,
          "base_pct": 0.05
        },
        "250000": {
          "ongoing_pct": 4.85,
          "intro_pct": null,
          "base_pct": 0.05
        }
      },
      "rankings": [
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          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 46,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 46,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 44,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 50,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 50,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 48,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 75,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 76,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 76,
          "of": 79
        }
      ],
      "features": {
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        "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": [
          "We've made monthly account keeping fees a thing of the past. We want your savings to grow.",
          "Make every cent count. Open multiple SaveME accounts to manage your savings across multip…",
          "Enjoy bonus interest each month when you meet the criteria. Simply make 4 eligible card p…",
          "All deposits up to $250,000 are protected by the Federal Government's deposit guarantee,…",
          "Your account automatically comes with a SpendME transaction account. It's the perfect mat…"
        ]
      },
      "feature_tags": [
        "app"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Currency Conversion"
      ],
      "age_min": 14,
      "age_max": null,
      "restrictions": [
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      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "linked transaction account required",
        "A smartphone that supports iOS 12.0+ or Android 8.0+.",
        "An Australian mobile number",
        "An Australian residential address",
        "An Australian drivers licence or Australian passport or Medicare card",
        "bonus needs four or more card transactions a month on the Visa Debit card of a linked SpendME account in the same name(s)"
      ],
      "eligibility": [
        "A smartphone that supports iOS 12.0+ or Android 8.0+.",
        "An Australian mobile number",
        "An Australian residential address",
        "An Australian drivers licence or Australian passport or Medicare card",
        "residency: A citizen or permanent resident of Australia: Resident or Citizen"
      ],
      "record_stale": false,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/99f3781e-102c-ee11-9966-002248e1d7d5",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/me-bank-me-go/99f3781e-102c-ee11-9966-002248e1d7d5.json",
      "snapshot_at": "2026-11-13T01:42:07Z",
      "bank_last_updated": "2026-11-11T22:10:09Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.mebank.com.au/banking/saveme",
          "https://www.mebank.com.au/savings-account-interest-rates/",
          "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf",
          "https://www.mebank.com.au/content/dam/mebank/documents/me-app-documents/deposit-accounts-general-terms-and-conditions.pdf"
        ]
      }
    },
    {
      "product_id": "98f3781e-102c-ee11-9966-002248e1d7d5",
      "product_name": "HomeME",
      "product_label": "HomeME",
      "product_slug": "homeme",
      "page": "/au/finance/savings-accounts/accounts/me-bank-me-go/homeme/",
      "product_url": "https://www.mebank.com.au/banking/homeme",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.mebank.com.au/getmedia/062a4f65-614d-4b58-a9ac-c39d776ebc67/deposit-account-rates-limits-fees-charges.pdf",
      "eligibility_url": "https://www.mebank.com.au/banking/home-deposit-savings-account/",
      "account_type": "savings",
      "segments": [
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      ],
      "segment": "personal",
      "description": "Whether you're saving for your first home, forever home or a home for someone else, ME's HomeME account has the features to help you get home.",
      "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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      },
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        "payto": false,
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        "joint": null,
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        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [],
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      "interest_calculated": null,
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      "monthly_fee_note": null,
      "fees_without_amount": [],
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      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
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      },
      "conditions": [
        "the bank's feed returned HTTP 500 for this product's details"
      ],
      "eligibility": [],
      "record_stale": false,
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      "product_label": "SpendME",
      "product_slug": "spendme",
      "page": "/au/finance/savings-accounts/accounts/me-bank-me-go/spendme/",
      "product_url": "https://www.mebank.com.au/banking/everyday-transaction-account/",
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        "residency: A citizen or permanent resident of Australia: Resident or Citizen"
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    }
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      "brand": "ME Bank - ME Go",
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}