{
  "brand": "PayPal Australia",
  "brand_label": "PayPal Australia",
  "brand_slug": "paypal-australia",
  "legal_entity_abn": "93111195389",
  "public_base_uri": "https://api.paypal.com/v1/identity",
  "logo_uri": "https://newsroom.au.paypal-corp.com/image/pp_h_rgb.jpg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2025-11-30T14:00:00Z",
  "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": [],
    "condition_sets": {},
    "unranked": {
      "products": 2,
      "transaction_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. This is not financial advice.",
  "products": [
    {
      "product_id": "PayPalBusinessAcct",
      "product_name": "PayPal business account",
      "product_label": "Business Account",
      "product_slug": "business-account",
      "page": "/au/finance/savings-accounts/accounts/paypal-australia/business-account/",
      "product_url": "https://www.paypal.com/au/webapps/mpp/why-paypal",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.paypal.com/au/webapps/mpp/ua/legalhub-full",
      "fees_url": "https://www.paypal.com/au/webapps/mpp/ua/cfsgpds-full?locale.x=en_AU#int_18_Fees_and_charges",
      "eligibility_url": "https://www.paypal.com/au/webapps/mpp/ua/legalhub-full",
      "account_type": "transaction",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "A comprehensive solution designed to serve your business needs and your customers, whether you’re just getting started or already a thriving enterprise or marketplace. With more payment choices for your customers, faster and more secure payments for you and protection on eligible sales, a PayPal bu…",
      "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": null,
        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [
          "Buy Something from a Seller Who Accepts PayPal (Commercial Transactions)",
          "Request & Receive Payments from Friends and Family (Personal Transactions)",
          "Send Money to Friends and Family (Personal Transactions)",
          "Withdraw Money"
        ],
        "osko": false,
        "payid": false,
        "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": [
          "Key Benefits. Refer to PayPal's Combined Financial Services Guide and Product Disclosure…"
        ]
      },
      "feature_tags": [
        "linked account required",
        "wallets: Buy Something from a Seller Who Accepts PayPal (Commercial Transactions), Request & Receive Payments from Friends and Family (Personal Transactions), Send Money to Friends and Family (Personal Transactions), Withdraw Money"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Sending Domestic Personal Transaction",
        "Sending International Personal Transaction",
        "Sending Commercial Transaction",
        "Receiving Domestic Commercial Transaction",
        "Receiving International Commercial Transaction",
        "Receiving Fees for Registered Charities and Not-For-Profit Organisations",
        "Micropayment Pricing",
        "Australia Fixed Fee",
        "Currency Conversion Fees",
        "Receiving eCheques",
        "PayPal Payouts (formerly Mass Pay)",
        "Other - Expanded Use Fee",
        "Other - Withdrawal Balance Fee"
      ],
      "age_min": 18,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-11-30, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Refer to the shared URL for complete terms and conditions. Terms and Conditions"
      ],
      "eligibility": [
        "business: The business must be organised in, operating in, or a resident of Australia. Legal Agreements for PayPal Services.",
        "Refer to the shared URL for complete terms and conditions. Terms and Conditions"
      ],
      "record_stale": true,
      "source_url": "https://api.paypal.com/v1/identity/cds-au/v1/banking/products/PayPalBusinessAcct",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/paypal-australia/PayPalBusinessAcct.json",
      "snapshot_at": "2026-10-22T13:25:27Z",
      "bank_last_updated": "2025-11-30T14:00:00.00Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    },
    {
      "product_id": "PayPalPersonalAcct",
      "product_name": "PayPal personal account",
      "product_label": "Personal Account",
      "product_slug": "personal-account",
      "page": "/au/finance/savings-accounts/accounts/paypal-australia/personal-account/",
      "product_url": "https://www.paypal.com/au/webapps/mpp/merchant",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.paypal.com/au/webapps/mpp/ua/legalhub-full",
      "fees_url": "https://www.paypal.com/au/webapps/mpp/ua/cfsgpds-full?locale.x=en_AU#int_18_Fees_and_charges",
      "eligibility_url": "https://www.paypal.com/au/webapps/mpp/ua/legalhub-full",
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "With a PayPal personal account, you can send and receive money, and buy things online and in person. A PayPal account enables you to make payments using your debit card, credit card, bank account, PayPal balance or other payment methods.",
      "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": null,
        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [
          "Accepting Payments from Buyers for Goods and Services (Commercial Transactions)",
          "Estimates & Invoices",
          "Make Payments for Goods and Services (Commercial Transactions) or Send Money to Friends and Family (Personal Transactions)",
          "Withdraw Money"
        ],
        "osko": false,
        "payid": false,
        "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": [
          "Key Benefits. Refer to PayPal's Combined Financial Services Guide and Product Disclosure…"
        ]
      },
      "feature_tags": [
        "linked account required",
        "wallets: Accepting Payments from Buyers for Goods and Services (Commercial Transactions), Estimates & Invoices, Make Payments for Goods and Services (Commercial Transactions) or Send Money to Friends and Family (Personal Transactions), Withdraw Money"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Sending Domestic Personal Transaction",
        "Sending International Personal Transaction",
        "Sending Commercial Transaction",
        "Receiving Domestic Commercial Transaction",
        "Receiving International Commercial Transaction",
        "Receiving Fees for Registered Charities and Not-For-Profit Organisations",
        "Micropayment Pricing",
        "Australia Fixed Fee",
        "Currency Conversion Fees",
        "Receiving eCheques",
        "PayPal Payouts (formerly Mass Pay)",
        "Other - Expanded Use Fee",
        "Other - Withdrawal Balance Fee"
      ],
      "age_min": 18,
      "age_max": null,
      "restrictions": [
        "linked_account"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-11-30, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "Terms and Conditions. Refer to the shared URL for complete terms and conditions."
      ],
      "eligibility": [
        "residency: Legal Agreements for PayPal Services: You must be a resident of Australia",
        "Terms and Conditions. Refer to the shared URL for complete terms and conditions."
      ],
      "record_stale": true,
      "source_url": "https://api.paypal.com/v1/identity/cds-au/v1/banking/products/PayPalPersonalAcct",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/paypal-australia/PayPalPersonalAcct.json",
      "snapshot_at": "2026-10-22T13:25:27Z",
      "bank_last_updated": "2025-11-30T14:00:00.00Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    }
  ],
  "rows": [],
  "licence_shared_with": [],
  "guarantee": null
}