{
  "brand": "MyState Bank",
  "brand_label": "MyState Bank",
  "brand_slug": "mystate-bank",
  "legal_entity_abn": "89067729195",
  "public_base_uri": "https://public.cdr.mystate.com.au",
  "logo_uri": "https://mystate.com.au/wp-content/uploads/MyState_Logo_s.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-11T19:00:00Z",
  "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":5.5,"base_rate_pct":0.0,"bonus_rate_pct":5.5,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":500000,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":5.8,"base_rate_pct":5.5,"bonus_rate_pct":null,"intro_rate_pct":0.3,"intro_months":4,"product_label":"Hello Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":5.5,"base_rate_pct":5.5,"bonus_rate_pct":null,"intro_rate_pct":0.3,"intro_months":4,"product_label":"Hello Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false},
      {"segment":"smsf","kind":"ongoing","rate_pct":0.6,"base_rate_pct":0.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":1000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account","region_limited"],"record_stale":false},
      {"segment":"smsf","kind":"intro","rate_pct":0.6,"base_rate_pct":0.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":1000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account","region_limited"],"record_stale":false},
      {"segment":"smsf","kind":"base","rate_pct":0.6,"base_rate_pct":0.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":1000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account","region_limited"],"record_stale":false},
      {"segment":"business","kind":"ongoing","rate_pct":0.6,"base_rate_pct":0.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":1000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account","region_limited"],"record_stale":false},
      {"segment":"business","kind":"intro","rate_pct":0.6,"base_rate_pct":0.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":1000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account","region_limited"],"record_stale":false},
      {"segment":"business","kind":"base","rate_pct":0.6,"base_rate_pct":0.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":1000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account","region_limited"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "deposit $20 or more each month",
        "linked transaction account required",
        "To be linked to a MyState Bank Glide Account, Everyday Account or Basic Account.",
        "no longer offered to new customers",
        "bonus needs at least 5 eligible Visa Debit card transactions each month on the linked account",
        "personal names only; not for estates, trusts, super funds or businesses"
      ],
      "k2": [
        "welcome rate only for people who have never held a MyState profile, and only on the first Hello Saver"
      ],
      "k3": [
        "only for businesses based in Tasmania",
        "also open to self-managed super funds (SMSFs): the bank's own words are \"Business structures we can open accounts for include, but not limited to: » Sole traders; » Companies & Partnerships; » Trusts; » Self-Managed Super Funds\""
      ]
    },
    "unranked": {
      "products": 4,
      "transaction_account": 3,
      "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": "f2c94853-abb7-4c8e-ae43-66427d186380",
      "product_name": "Bonus Saver",
      "product_label": "Bonus Saver",
      "product_slug": "bonus-saver",
      "page": "/au/finance/savings-accounts/accounts/mystate-bank/bonus-saver/",
      "product_url": "https://mystate.com.au/bank-accounts/saving-accounts/bonus-saver-account/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://mystate.com.au/legal/",
      "fees_url": "https://mystate.com.au/legal/",
      "eligibility_url": "https://mystate.com.au/legal/",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Enjoy bonus interest when you deposit $20 or more in to your Bonus Saver Account and make 5 or more eligible VISA Debit card transactions from your linked account each month. Take your money out as often as you need without losing the bonus interest you've already earned.",
      "bonus_is_total": true,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "min_monthly_deposit",
          "value": 20,
          "text": "deposit of $20"
        },
        {
          "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": {
        "10000": {
          "ongoing_pct": 5.5,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 5.5,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 5.5,
          "intro_pct": null,
          "base_pct": 0.0
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 23,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 23,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "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": []
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "linked account required"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 13,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "deposit $20 or more each month",
        "linked transaction account required",
        "To be linked to a MyState Bank Glide Account, Everyday Account or Basic Account.",
        "no longer offered to new customers",
        "bonus needs at least 5 eligible Visa Debit card transactions each month on the linked account",
        "personal names only; not for estates, trusts, super funds or businesses"
      ],
      "eligibility": [
        "To be linked to a MyState Bank Glide Account, Everyday Account or Basic Account."
      ],
      "record_stale": false,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/f2c94853-abb7-4c8e-ae43-66427d186380",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/mystate-bank/f2c94853-abb7-4c8e-ae43-66427d186380.json",
      "snapshot_at": "2026-11-12T02:33:17Z",
      "bank_last_updated": "2026-11-11T19:00:00.224594Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://mystate.com.au/bank-accounts/saving-accounts/bonus-saver-account/",
          "https://mystate.com.au/legal/",
          "https://mystate.com.au/wp-content/uploads/rates_savings_nlo.pdf",
          "https://mystate.com.au/wp-content/uploads/terms_savings_nlo.pdf"
        ]
      }
    },
    {
      "product_id": "587ef585-7b27-49aa-8ef7-887a96e92005",
      "product_name": "Business Online Saver",
      "product_label": "Business Online Saver",
      "product_slug": "business-online-saver",
      "page": "/au/finance/savings-accounts/accounts/mystate-bank/business-online-saver/",
      "product_url": "https://mystate.com.au/business/savings-investments/business-online-saver/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://mystate.com.au/legal/",
      "fees_url": "https://mystate.com.au/legal/",
      "eligibility_url": "https://mystate.com.au/legal/",
      "account_type": "savings",
      "segments": [
        "smsf",
        "business"
      ],
      "segment": "business",
      "description": "A Business Online Saver bank account is a great way to generate income by investing surplus funds without locking your money away for a set period. With no monthly account keeping fees and convenient access to your bank account 24/7 via Phone and Internet Banking, this savings and investment bank a…",
      "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": 1000000,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 0.6,
          "intro_pct": null,
          "base_pct": 0.6
        },
        "50000": {
          "ongoing_pct": 0.6,
          "intro_pct": null,
          "base_pct": 0.6
        },
        "250000": {
          "ongoing_pct": 0.6,
          "intro_pct": null,
          "base_pct": 0.6
        }
      },
      "rankings": [
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 38,
          "of": 44,
          "hidden_by_default": true
        },
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 41,
          "of": 44,
          "hidden_by_default": true
        },
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 41,
          "of": 44,
          "hidden_by_default": true
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 10000,
          "rank": 39,
          "of": 44,
          "hidden_by_default": true
        },
        {
          "segment": "smsf",
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          "balance": 50000,
          "rank": 42,
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          "hidden_by_default": true
        },
        {
          "segment": "smsf",
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          "balance": 250000,
          "rank": 42,
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          "hidden_by_default": true
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 10000,
          "rank": 34,
          "of": 44,
          "hidden_by_default": true
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 50000,
          "rank": 37,
          "of": 44,
          "hidden_by_default": true
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 250000,
          "rank": 37,
          "of": 44,
          "hidden_by_default": true
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 42,
          "of": 50,
          "hidden_by_default": true
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 46,
          "of": 50,
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        },
        {
          "segment": "business",
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          "balance": 250000,
          "rank": 48,
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        },
        {
          "segment": "business",
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          "rank": 43,
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        },
        {
          "segment": "business",
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          "balance": 50000,
          "rank": 47,
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          "hidden_by_default": true
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 250000,
          "rank": 49,
          "of": 50,
          "hidden_by_default": true
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 10000,
          "rank": 40,
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        },
        {
          "segment": "business",
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          "balance": 50000,
          "rank": 44,
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        },
        {
          "segment": "business",
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          "balance": 250000,
          "rank": 46,
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          "hidden_by_default": true
        }
      ],
      "features": {
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        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": false,
        "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": []
      },
      "feature_tags": [
        "Osko",
        "PayID",
        "linked account required"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Foreign Currency Conversion",
        "Overdrawn Account Interest"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "linked_account",
        "region_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "region",
            "who": "only for businesses based in Tasmania",
            "level": "product",
            "quote": "Business Online Saver bank accounts are only available for businesses based in Tasmania.",
            "source": "https://mystate.com.au/business/savings-investments/business-online-saver/",
            "citation": {
              "quote": "Business Online Saver bank accounts are only available for businesses based in Tasmania.",
              "url": "https://mystate.com.au/business/savings-investments/business-online-saver/#:~:text=Business%20Online%20Saver%20bank%20accounts,for%20businesses%20based%20in%20Tasmania.",
              "document_sha256": "5e092394bb26b77396c5df3ba4d0886e8d6f468adb7efb8bc4c3d78cb0695832",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null,
        "open_to": [
          {
            "segment": "smsf",
            "who": "self-managed super funds (SMSFs)",
            "quote": "Business structures we can open accounts for include, but not limited to: » Sole traders; » Companies & Partnerships; » Trusts; » Self-Managed Super Funds;",
            "url": "https://mystate.com.au/wp-content/uploads/terms.pdf",
            "checked": "2026-11-06",
            "citation": {
              "quote": "Business structures we can open accounts for include, but not limited to: » Sole traders; » Companies & Partnerships; » Trusts; » Self-Managed Super Funds;",
              "url": "https://mystate.com.au/wp-content/uploads/terms.pdf#page=9",
              "page": 9,
              "document_sha256": "52b292c21e47886e07b483ed5f2e555ed7caaadcd3f85808171577866b7dcb60",
              "confirmed": "2026-11-13"
            }
          }
        ]
      },
      "conditions": [
        "only for businesses based in Tasmania",
        "also open to self-managed super funds (SMSFs): the bank's own words are \"Business structures we can open accounts for include, but not limited to: » Sole traders; » Companies & Partnerships; » Trusts; » Self-Managed Super Funds\""
      ],
      "eligibility": [
        "business: Require a linked MyState business transaction account."
      ],
      "record_stale": false,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/587ef585-7b27-49aa-8ef7-887a96e92005",
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      "snapshot_at": "2026-11-12T02:33:17Z",
      "bank_last_updated": "2026-11-11T19:00:00.224589Z",
      "ranked": true,
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      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
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          "https://mystate.com.au/legal/",
          "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
          "https://mystate.com.au/wp-content/uploads/terms.pdf"
        ]
      }
    },
    {
      "product_id": "51dd511c-abf8-4aaa-941c-631a26848111",
      "product_name": "E&P High Yield Account",
      "product_label": "E&P High Yield Account",
      "product_slug": "e-p-high-yield-account",
      "page": "/au/finance/savings-accounts/accounts/mystate-bank/e-p-high-yield-account/",
      "product_url": "https://mystate.com.au/legal/",
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      "terms_url": "https://mystate.com.au/legal/",
      "fees_url": "https://mystate.com.au/legal/",
      "eligibility_url": "https://mystate.com.au/legal/",
      "account_type": "savings",
      "segments": [
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      ],
      "segment": "personal",
      "description": "Available only through Evans & Partners.",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
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      "rates_at_reference_balances": {
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        },
        "250000": {
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        }
      },
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        "joint": null,
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        "other": []
      },
      "feature_tags": [
        "PayID"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
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      "fees_without_amount": [],
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      "restrictions": [
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      ],
      "who_can_open": {
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      },
      "conditions": [
        "Available only through Evans & Partners.",
        "available only to customers of Evans and Partners"
      ],
      "eligibility": [
        "Available only through Evans & Partners."
      ],
      "record_stale": false,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/51dd511c-abf8-4aaa-941c-631a26848111",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/mystate-bank/51dd511c-abf8-4aaa-941c-631a26848111.json",
      "snapshot_at": "2026-11-12T02:33:17Z",
      "bank_last_updated": "2026-11-11T19:00:00.241948Z",
      "ranked": true,
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      "row_count": 1,
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