{
  "brand": "People First and Heritage Bank",
  "brand_label": "People First Bank / Heritage Bank",
  "brand_slug": "people-first-and-heritage-bank",
  "legal_entity_abn": "11087651125",
  "public_base_uri": "https://public.openbanking.peoplefirstbank.com.au",
  "logo_uri": "https://www.peoplefirstbank.com.au/pfb-logo",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-31T14:00:25Z",
  "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":5.55,"base_rate_pct":0.01,"bonus_rate_pct":5.54,"intro_rate_pct":null,"intro_months":null,"product_label":"Dream Fund","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":5.55,"base_rate_pct":0.01,"bonus_rate_pct":5.54,"intro_rate_pct":null,"intro_months":null,"product_label":"Dream Fund","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":"base","rate_pct":3.45,"base_rate_pct":3.45,"bonus_rate_pct":null,"intro_rate_pct":1.4,"intro_months":4,"product_label":"Online Saver Account","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":true},
      {"segment":"business","kind":"ongoing","rate_pct":1.6,"base_rate_pct":1.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Community and Business Saver","account_type":"savings","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":"intro","rate_pct":1.6,"base_rate_pct":1.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Community and Business Saver","account_type":"savings","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":"base","rate_pct":1.6,"base_rate_pct":1.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Community and Business Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-09-30, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "grow the balance each month"
      ],
      "k2": [
        "not updated by the bank since 2026-10-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "You need to be a registered user of Heritage Online.",
        "the 4-month 1.40% bonus intro rate is only for new Heritage members who open the account within 60 days of becoming a member; it is once only per member",
        "the intro rate needs an eligible Simply Access or Business Access transaction account linked to the Online Saver"
      ],
      "k3": [
        "not updated by the bank since 2026-10-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ]
    },
    "unranked": {
      "products": 7,
      "transaction_account": 5,
      "other_product": 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": [
    {
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      "product_name": "Community and Business Saver",
      "product_label": "Community and Business Saver",
      "product_slug": "community-and-business-saver",
      "page": "/au/finance/savings-accounts/accounts/people-first-and-heritage-bank/community-and-business-saver/",
      "product_url": "https://www.peoplefirstbank.com.au/business-banking/business-bank-accounts/community-and-business-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.peoplefirstbank.com.au/brc-8-6-1",
      "fees_url": "https://www.peoplefirstbank.com.au/business-banking/business-bank-accounts/community-and-business-access",
      "eligibility_url": "https://www.peoplefirstbank.com.au/about-us/corporate-disclosure-and-regulatory-documents",
      "account_type": "savings",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "An online business savings account that allows you to access your funds via Internet and Smart Phone Banking. With competitive interest rates and no monthly account fees",
      "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": 1,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 1.6,
          "intro_pct": null,
          "base_pct": 1.6
        },
        "50000": {
          "ongoing_pct": 1.6,
          "intro_pct": null,
          "base_pct": 1.6
        },
        "250000": {
          "ongoing_pct": 1.6,
          "intro_pct": null,
          "base_pct": 1.6
        }
      },
      "rankings": [
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 24,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 28,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 29,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
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          "rank": 24,
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        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 50000,
          "rank": 28,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 250000,
          "rank": 29,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 10000,
          "rank": 21,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 50000,
          "rank": 25,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 250000,
          "rank": 26,
          "of": 42
        }
      ],
      "features": {
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        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": false,
        "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": [
          "Direct feeds to Xero and MYOB software"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "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": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [
        "business: Terms, conditions, fees, charges and lending criteria apply and are available on application: Business and non-personal entities"
      ],
      "record_stale": true,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/525d32b2-bade-4a4b-ad84-4dc8353c78a4",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/people-first-and-heritage-bank/525d32b2-bade-4a4b-ad84-4dc8353c78a4.json",
      "snapshot_at": "2026-10-31T23:13:48Z",
      "bank_last_updated": "2026-10-31T13:35:24.462Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.peoplefirstbank.com.au/business-banking/business-bank-accounts/community-and-business-saver",
          "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-1-1-deposit-accounts-interest-rate.pdf?rev=e7bfa823276d41c38627be1986abf7e8",
          "https://www.peoplefirstbank.com.au/brc-8-6-1"
        ]
      }
    },
    {
      "product_id": "d9772ff5-78d8-46c4-b489-caa0f05d4c98",
      "product_name": "Dream Fund",
      "product_label": "Dream Fund",
      "product_slug": "dream-fund",
      "page": "/au/finance/savings-accounts/accounts/people-first-and-heritage-bank/dream-fund/",
      "product_url": "https://www.peoplefirstbank.com.au/banking/savings-accounts/dream-fund",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.peoplefirstbank.com.au/brc-8-6-1",
      "fees_url": "https://www.peoplefirstbank.com.au/banking/savings-accounts/dream-fund",
      "eligibility_url": "https://www.peoplefirstbank.com.au/about-us/corporate-disclosure-and-regulatory-documents",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A savings account that offers bonus interest in any month your account balance grows (not including interest credits)",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "balance_grows",
          "value": null,
          "text": "Bonus interest paid in any month the account balance grows (not including interest credits)"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 5.55,
          "intro_pct": null,
          "base_pct": 0.01
        },
        "50000": {
          "ongoing_pct": 5.55,
          "intro_pct": null,
          "base_pct": 0.01
        },
        "250000": {
          "ongoing_pct": 4.86,
          "intro_pct": null,
          "base_pct": 0.01
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 15,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 14,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 41,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 27,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 26,
          "of": 79
        },
        {
          "segment": "personal",
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          "balance": 250000,
          "rank": 45,
          "of": 79
        }
      ],
      "features": {
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        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": false,
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        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "When the closing balance of your account on the last day of the month, excluding any inte…"
        ]
      },
      "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,
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      "restrictions": [],
      "who_can_open": {
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        "groups": [],
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      },
      "conditions": [
        "not updated by the bank since 2026-09-30, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "grow the balance each month"
      ],
      "eligibility": [
        "residency: Permanent residents of Australia who reside in Australia at the time of membership application are eligible for membership, regardless of citizenship status."
      ],
      "record_stale": true,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/d9772ff5-78d8-46c4-b489-caa0f05d4c98",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/people-first-and-heritage-bank/d9772ff5-78d8-46c4-b489-caa0f05d4c98.json",
      "snapshot_at": "2026-10-27T23:31:01Z",
      "bank_last_updated": "2026-09-30T14:35:22.658Z",
      "ranked": true,
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      "row_count": 2,
      "terms_scan": {
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        "documents": [
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          "https://www.peoplefirstbank.com.au/brc-8-6-1"
        ]
      }
    },
    {
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      "product_name": "Online Saver Account",
      "product_label": "Online Saver Account",
      "product_slug": "online-saver-account",
      "page": "/au/finance/savings-accounts/accounts/people-first-and-heritage-bank/online-saver-account/",
      "product_url": "https://www.heritage.com.au/banking/accounts/online-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.heritage.com.au/inbound/brochures/guide-to-deposit-products",
      "fees_url": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide",
      "eligibility_url": "https://www.heritage.com.au/inbound/brochures/guide-to-deposit-products",
      "account_type": "savings",
      "segments": [
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      ],
      "segment": "personal",
      "description": "Manage your savings online with our high interest savings account.",
      "bonus_is_total": null,
      "intro_is_total": false,
      "intro_is_bonus_rate": true,
      "intro_months": 4,
      "intro_conditions": [
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      ],
      "bonus_conditions": [],
      "extra_bonuses": [],
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        },
        "50000": {
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        },
        "250000": {
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          "base_pct": 3.45
        }
      },
      "rankings": [
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        },
        {
          "segment": "personal",
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          "rank": 33,
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        },
        {
          "segment": "personal",
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        }
      ],
      "features": {
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        "payto": false,
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        "app": true,
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        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Electronic or Physical statements provided",
          "Scheduled, periodic payments available",
          "Direct debit facility available",
          "Bonus interest introductory offer",
          "SMS services available"
        ]
      },
      "feature_tags": [
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        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
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      "fees_without_amount": [],
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      "restrictions": [],
      "who_can_open": {
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        "groups": [],
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      },
      "conditions": [
        "not updated by the bank since 2026-10-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "You need to be a registered user of Heritage Online.",
        "the 4-month 1.40% bonus intro rate is only for new Heritage members who open the account within 60 days of becoming a member; it is once only per member",
        "the intro rate needs an eligible Simply Access or Business Access transaction account linked to the Online Saver"
      ],
      "eligibility": [
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      ],
      "record_stale": true,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/02901be8-7e53-49c8-ae99-097c55c11074",
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      "ranked": true,
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      "terms_scan": {
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        ]
      }
    },
    {
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      "product_name": "Target Bonus Account",
      "product_label": "Target Bonus Account",
      "product_slug": "target-bonus-account",
      "page": "/au/finance/savings-accounts/accounts/people-first-and-heritage-bank/target-bonus-account/",
      "product_url": "https://www.heritage.com.au/banking/accounts/target-bonus",
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      "terms_url": "https://www.heritage.com.au/inbound/brochures/guide-to-deposit-products",
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      "eligibility_url": "https://www.heritage.com.au/inbound/brochures/guide-to-deposit-products",
      "account_type": "savings",
      "segments": [
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      "segment": "personal",
      "description": "Earn bonus interest when you make regular desposits and no withdrawals with a Heritage Target Bonus Account",
      "bonus_is_total": false,
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      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "max_withdrawals",
          "value": 0,
          "text": "no withdrawals"
        }
      ],
      "extra_bonuses": [],
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      "min_balance": 1,
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      "notice_days": null,
      "rates_at_reference_balances": {
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          "base_pct": 0.01
        },
        "50000": {
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        },
        "250000": {
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        }
      },
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        "app": true,
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        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Electronic or Physical statements available",
          "SMS Services",
          "Earn a bonus interest rate above our normal rate for every month you make at least one de…",
          "$0 account keeping and transaction fees",
          "Backed by the Government Deposit Guarantee for deposits up to $250,000"
        ]
      },
      "feature_tags": [
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      ],
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