{ "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "public_base_uri": "https://openbank.api.nab.com.au", "logo_uri": "https://www.nab.com.au/etc/designs/nabrwd/clientlibs/images/logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-10-09T13:59:59Z", "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":5.25,"base_rate_pct":0.01,"bonus_rate_pct":5.24,"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":5.5,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":3.65,"intro_months":4,"product_label":"iSaver","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":"personal","kind":"base","rate_pct":1.85,"base_rate_pct":1.85,"bonus_rate_pct":null,"intro_rate_pct":3.65,"intro_months":4,"product_label":"iSaver","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":"ongoing","rate_pct":0.5,"base_rate_pct":0.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager","account_type":"cash_management","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":"smsf","kind":"intro","rate_pct":0.5,"base_rate_pct":0.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager","account_type":"cash_management","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":"smsf","kind":"base","rate_pct":0.5,"base_rate_pct":0.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Cash Manager","account_type":"cash_management","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":"ongoing","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Cash Maximiser","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Cash Maximiser","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Cash Maximiser","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-10-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "To receive bonus interest for the month, customer must make at least one deposit on or before the second last banking day and no withdrawals.", "no withdrawals in the month" ], "k2": [ "not updated by the bank since 2026-10-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "You’ll need to link a NAB transaction account such as a NAB Classic Banking or NAB Retirement Account to access your iSaver account via NAB Internet Banking, N…", "you need a NAB transaction account to access the money; NAB opens a Classic Banking account if you have none", "intro bonus margin of 3.65% for 4 months only if you have not held an iSaver in the last 12 months", "with several account holders the intro bonus margin is earned only if all holders are eligible" ], "k3": [ "not updated by the bank since 2026-05-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "open to individuals (single or joint) and to companies, trusts and SMSFs", "applicants must be at least 18 and permanent Australian residents", "also open to self-managed super funds (SMSFs): the bank's own words are \"Choose to apply as either an individual (single or joint account) or entity (company, trust or SMSF).\"" ], "k4": [ "not updated by the bank since 2026-10-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Must hold NAB Business transaction account to open account", "Must have eligible electronic access to account", "open to sole traders, partners, trustees and directors of Australian private companies who are 18 or over and Australian tax residents living in Australia", "needs a NAB business transaction account linked to it" ] }, "unranked": { "products": 6, "transaction_account": 6 } }, "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": "b15d3e39-a110-4da6-b2f6-d634bbc99b82", "product_name": "NAB Business Cash Maximiser", "product_label": "Business Cash Maximiser", "product_slug": "business-cash-maximiser", "page": "/au/finance/savings-accounts/accounts/national-australia-bank/business-cash-maximiser/", "product_url": "https://www.nab.com.au/business/accounts/savings-and-deposit-accounts/nab-business-cash-maximiser-account", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.nab.com.au/business/tools/forms-and-documents/nab-business-products", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges#1-nab-business-cash-maximiser", "eligibility_url": null, "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "An online savings account earning interest on every dollar when your balance is $10,000 or more.", "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": 1.5, "intro_pct": null, "base_pct": 1.5 }, "50000": { "ongoing_pct": 1.5, "intro_pct": null, "base_pct": 1.5 }, "250000": { "ongoing_pct": 1.5, "intro_pct": null, "base_pct": 1.5 } }, "rankings": [ { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 26, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 30, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 35, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 26, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 30, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 35, "of": 42 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 23, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 27, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 32, "of": 42 } ], "features": { "card_access": false, "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": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "unlimited transactions", "linked account required" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Must hold NAB Business transaction account to open account", "Must have eligible electronic access to account", "open to sole traders, partners, trustees and directors of Australian private companies who are 18 or over and Australian tax residents living in Australia", "needs a NAB business transaction account linked to it" ], "eligibility": [ "business: Business", "Must hold NAB Business transaction account to open account", "Must have eligible electronic access to account" ], "record_stale": true, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/b15d3e39-a110-4da6-b2f6-d634bbc99b82", "source_snapshot": "/au/finance/savings-accounts/v1/source/national-australia-bank/b15d3e39-a110-4da6-b2f6-d634bbc99b82.json", "snapshot_at": "2026-10-22T13:25:22Z", "bank_last_updated": "2026-10-09T13:59:59Z", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.nab.com.au/business/business-bank-accounts/savings-and-deposit-accounts/nab-business-cash-maximiser-account", "https://www.nab.com.au/important-information/business/business-products-terms-conditions", "https://www.nab.com.au/important-information/business/interest-rates-fees-charges" ] } }, { "product_id": "afa21411-ef95-470e-9053-83d8cd33ddc6", "product_name": "NAB Cash Manager", "product_label": "Cash Manager", "product_slug": "cash-manager", "page": "/au/finance/savings-accounts/accounts/national-australia-bank/cash-manager/", "product_url": "https://www.nab.com.au/personal/accounts/savings-accounts/nab-cash-manager", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.nab.com.au/personal/help-and-guidance/nab-cash-manager-terms-and-conditions", "fees_url": "https://www.nab.com.au/personal/interest-rates-fees-and-charges", "eligibility_url": "https://www.nab.com.au/personal/accounts/savings-accounts/nab-cash-manager", "account_type": "cash_management", "segments": [ "personal", "smsf" ], "segment": "personal", "description": "Manage your investment cash flows with an investment-friendly transaction account", "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": 0.5, "intro_pct": null, "base_pct": 0.5 }, "50000": { "ongoing_pct": 0.5, "intro_pct": null, "base_pct": 0.5 }, "250000": { "ongoing_pct": 0.5, "intro_pct": null, "base_pct": 0.5 } }, "rankings": [ { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 32, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 33, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 34, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 33, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 34, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 35, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 29, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 30, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 31, "of": 35 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "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": [] }, "feature_tags": [ "app", "Osko", "PayID", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 18, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "Choose to apply as either an individual (single or joint account) or entity (company, trust or SMSF).", "url": "https://www.nab.com.au/personal/accounts/savings-accounts/nab-cash-manager", "checked": "2026-11-06", "citation": { "quote": "Choose to apply as either an individual (single or joint account) or entity (company, trust or SMSF).", "url": "https://www.nab.com.au/personal/accounts/savings-accounts/nab-cash-manager#:~:text=Choose%20to%20apply%20as%20either,entity%20%28company%2C%20trust%20or%20SMSF%29.", "document_sha256": "d1420bee7b23400846275ee4a4994fa024ae8c796459c1d3426dbe1cc7ada2cd", "confirmed": "2026-11-13" } } ] }, "conditions": [ "not updated by the bank since 2026-05-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "open to individuals (single or joint) and to companies, trusts and SMSFs", "applicants must be at least 18 and permanent Australian residents", "also open to self-managed super funds (SMSFs): the bank's own words are \"Choose to apply as either an individual (single or joint account) or entity (company, trust or SMSF).\"" ], "eligibility": [ "residency: Permanent Australian resident" ], "record_stale": true, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/afa21411-ef95-470e-9053-83d8cd33ddc6", "source_snapshot": "/au/finance/savings-accounts/v1/source/national-australia-bank/afa21411-ef95-470e-9053-83d8cd33ddc6.json", "snapshot_at": "2026-10-22T13:25:22Z", "bank_last_updated": "2026-05-15T13:59:59Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.nab.com.au/personal/bank-accounts/savings-accounts/nab-cash-manager", "https://www.nab.com.au/important-information/personal/cash-manager-terms-conditions", "https://www.nab.com.au/personal/interest-rates-fees-and-charges/indicator-rates-deposit-products" ] } }, { "product_id": "a97fad3e-9d44-4b4e-8279-3722edefae52", "product_name": "NAB iSaver", "product_label": "iSaver", "product_slug": "isaver", "page": "/au/finance/savings-accounts/accounts/national-australia-bank/isaver/", "product_url": "https://www.nab.com.au/personal/accounts/savings-accounts/nab-isaver", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.nab.com.au/personal/help-and-guidance/terms-and-conditions-for-personal-products/personal-transaction-and-savings-products", "fees_url": "https://www.nab.com.au/personal/interest-rates-fees-and-charges", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Access your savings whenever you need them, without affecting your interest rate.", "bonus_is_total": null, "intro_is_total": false, "intro_is_bonus_rate": true, "intro_months": 4, "intro_conditions": [ "Introductory bonus margin is only available for a period of 4 months to customers who have not held a NAB iSaver in the last 12 months (on balances up to $20 m…" ], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 1.85, "intro_pct": 5.5, "base_pct": 1.85 }, "50000": { "ongoing_pct": 1.85, "intro_pct": 5.5, "base_pct": 1.85 }, "250000": { "ongoing_pct": 1.85, "intro_pct": 5.5, "base_pct": 1.85 } }, "rankings": [ { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 28, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 27, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 22, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 50, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 53, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 55, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "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", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-10-09, before the Reserve Bank's cash rate rise of 4 November 2026; 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The rate code used is for PFA" ], "eligibility": [ "business: Corporate & Institutional, Business & Private", "This account can only be opend by businesses operating in the construction industry in Queensland. 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check its page, as the rate may have changed", "open to individuals (single or joint) and to companies, trusts and SMSFs", "applicants must be at least 18 and permanent Australian residents", "also open to self-managed super funds (SMSFs): the bank's own words are \"Choose to apply as either an individual (single or joint account) or entity (company, trust or SMSF).\"" ], "record_stale": true, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/afa21411-ef95-470e-9053-83d8cd33ddc6", "source_snapshot": "/au/finance/savings-accounts/v1/source/national-australia-bank/afa21411-ef95-470e-9053-83d8cd33ddc6.json", "bank_last_updated": "2026-05-15T13:59:59Z", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.5, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.5, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "a97fad3e-9d44-4b4e-8279-3722edefae52", "product_name": "NAB iSaver", "product_label": "iSaver", "product_slug": "isaver", "page": "/au/finance/savings-accounts/accounts/national-australia-bank/isaver/", "product_url": "https://www.nab.com.au/personal/accounts/savings-accounts/nab-isaver", "terms_url": "https://www.nab.com.au/personal/help-and-guidance/terms-and-conditions-for-personal-products/personal-transaction-and-savings-products", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": false, "intro_months": 4, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "linked_account" ], "conditions": [ "not updated by the bank since 2026-10-09, before the Reserve Bank's cash rate rise of 4 November 2026; 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