{
  "brand": "NRMA Home Loans",
  "brand_label": "NRMA Home Loans",
  "brand_slug": "nrma-home-loans",
  "legal_entity_abn": "11068049178",
  "public_base_uri": "https://api.nrma.app.bendigobank.com.au",
  "logo_uri": "https://www.bendigobank.com.au/siteassets/partner/tpb/nrma.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-13T00:52:15Z",
  "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": [],
    "condition_sets": {},
    "unranked": {
      "products": 1,
      "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": "f6989da3-8f1c-4114-bdf3-1b961a0c086a",
      "product_name": "NRMA Offset Account",
      "product_label": "Offset Account",
      "product_slug": "offset-account",
      "page": null,
      "product_url": "https://www.nrma.com.au/home-loans",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf",
      "fees_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf",
      "eligibility_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf",
      "account_type": "offset",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Offset Account is designed to be linked and used with the NRMA Offset Home Loan. Eligible home loan customers can receive offset benefits by linking an Offset Account to an NRMA Offset Home Loan which reduces the amount of interest that would otherwise accrue in relation to the NRMA Offset Home…",
      "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": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 0.0,
          "intro_pct": null,
          "base_pct": 0.0
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Mastercard Debit",
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": true,
        "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": [
        "card",
        "app",
        "BPAY",
        "linked account required"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "International Transaction Fee",
        "Audit Request"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "Must be linked to an NRMA Offset Home Loan product.",
        "Have or have been approved for an NRMA Offset Home Loan."
      ],
      "eligibility": [
        "Have or have been approved for an NRMA Offset Home Loan.",
        "Must be linked to an NRMA Offset Home Loan product."
      ],
      "record_stale": false,
      "source_url": "https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/f6989da3-8f1c-4114-bdf3-1b961a0c086a",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/nrma-home-loans/f6989da3-8f1c-4114-bdf3-1b961a0c086a.json",
      "snapshot_at": "2026-11-13T01:42:15Z",
      "bank_last_updated": "2026-11-13T11:52:15+11:00",
      "ranked": false,
      "unranked_reason": "offset_account",
      "row_count": 1
    }
  ],
  "rows": [
    {
      "brand": "NRMA Home Loans",
      "brand_label": "NRMA Home Loans",
      "brand_slug": "nrma-home-loans",
      "legal_entity_abn": "11068049178",
      "product_id": "f6989da3-8f1c-4114-bdf3-1b961a0c086a",
      "product_name": "NRMA Offset Account",
      "product_label": "Offset Account",
      "product_slug": "offset-account",
      "page": null,
      "product_url": "https://www.nrma.com.au/home-loans",
      "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/offset-account-terms-and-conditions.pdf",
      "account_type": "offset",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_months": null,
      "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": [
        "Must be linked to an NRMA Offset Home Loan product.",
        "Have or have been approved for an NRMA Offset Home Loan."
      ],
      "record_stale": false,
      "source_url": "https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/f6989da3-8f1c-4114-bdf3-1b961a0c086a",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/nrma-home-loans/f6989da3-8f1c-4114-bdf3-1b961a0c086a.json",
      "bank_last_updated": "2026-11-13T11:52:15+11:00",
      "balance_from": 0,
      "balance_to": null,
      "base_rate_pct": 0.0,
      "bonus_rate_pct": null,
      "intro_rate_pct": null,
      "ongoing_rate_pct": 0.0,
      "intro_total_rate_pct": null,
      "rate_application": "whole_balance",
      "ranked": false,
      "unranked_reason": "offset_account"
    }
  ],
  "licence_shared_with": [
    "AFG Home Loans Alpha",
    "Aussie Elevate",
    "Bendigo Bank",
    "Connective Select",
    "Qantas Money Basic/Offset Home Loans",
    "Tiimely Home",
    "Up"
  ],
  "guarantee": null
}