{ "brand": "Newcastle Permanent", "brand_label": "Newcastle Permanent", "brand_slug": "newcastle-permanent", "legal_entity_abn": "96087651992", "public_base_uri": "https://openbank.newcastlepermanent.com.au", "logo_uri": "https://www.ngmgroup.com.au/globalassets/open-banking/np/np-logo.jpg", "status": "ok", "stale": false, "bank_last_updated": "2026-11-12T13:00:00Z", "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":5.6,"base_rate_pct":0.05,"bonus_rate_pct":5.55,"intro_rate_pct":null,"intro_months":null,"product_label":"Smart Saver 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":[],"record_stale":false}, {"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":"Smart Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":1.0,"base_rate_pct":1.0,"bonus_rate_pct":null,"intro_rate_pct":4.5,"intro_months":3,"product_label":"Online Savings Account (Including Intro)","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":false}, {"segment":"smsf","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":"Smart Saver 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":[],"record_stale":false}, {"segment":"smsf","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":"Smart Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"base","rate_pct":1.0,"base_rate_pct":1.0,"bonus_rate_pct":null,"intro_rate_pct":4.5,"intro_months":3,"product_label":"Online Savings Account (Including Intro)","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":false}, {"segment":"business","kind":"ongoing","rate_pct":1.34,"base_rate_pct":1.34,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Cash Management Account","account_type":"cash_management","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":"intro","rate_pct":1.34,"base_rate_pct":1.34,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Cash Management Account","account_type":"cash_management","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":"base","rate_pct":1.34,"base_rate_pct":1.34,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Cash Management Account","account_type":"cash_management","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":null,"restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "age 25 and over", "bonus: grow the balance (excluding interest) over the month and make no more than 2 withdrawals" ], "k2": [ "All account owners have an Everyday Account or a Home Loan or a Credit Facility with Newcastle Permanent" ] }, "unranked": { "products": 6, "transaction_account": 4, "offset_account": 2 } }, "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. 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0.05 }, "50000": { "ongoing_pct": 5.6, "intro_pct": null, "base_pct": 0.05 }, "250000": { "ongoing_pct": 5.12, "intro_pct": null, "base_pct": 0.05 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 12, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 11, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 34, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 24, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 23, "of": 79 }, { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 1, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 1, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 7, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 2, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 2, "of": 35 } ], "features": { "card_access": true, "card": "Visa Debit Card", "digital_wallets": [ "Apple Pay", "Google Pay" ], "osko": true, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": 2, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "card", "app", "Osko", "PayID", "BPAY", "unlimited transactions", "wallets: Apple Pay, Google Pay", "2 free transactions a month" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [ "Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee", "Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee", "Document and Miscellaneous Service", "Foreign Currency Conversion" ], "age_min": 25, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "age 25 and over", "bonus: grow the balance (excluding interest) over the month and make no more than 2 withdrawals" ], "eligibility": [ "age 25 and over: At least one account holder must be 25 years of age or older at the date of opening", "residency: Available to permanent Australian Residents" ], "record_stale": false, "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_smartsaver", "source_snapshot": "/au/finance/savings-accounts/v1/source/newcastle-permanent/AC_smartsaver.json", "snapshot_at": "2026-11-13T01:42:14Z", "bank_last_updated": "2026-11-13T00:00:00+11:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.newcastlepermanent.com.au/personal/saving-accounts/smart-saver-account", "https://www.newcastlepermanent.com.au/siteassets/documents/product-schedules/savings-product-schedule.pdf", 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