{ "brand": "QBANK", "brand_label": "QBank", "brand_slug": "qbank", "legal_entity_abn": "79087651036", "public_base_uri": "https://banking.qbank.com.au/openbanking", "logo_uri": "https://www.qbank.com.au/media/logo/qbank-logo.svg", "status": "ok", "stale": false, "bank_last_updated": "2026-10-14T20:34:53Z", "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":5.2,"base_rate_pct":0.01,"bonus_rate_pct":5.19,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":1000000,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership"],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":5.6,"base_rate_pct":2.7,"bonus_rate_pct":null,"intro_rate_pct":2.9,"intro_months":5,"product_label":"Intro Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":3.1,"base_rate_pct":3.1,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Teen Netlink Direct Savings","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":["occupation_membership","age_limited"],"record_stale":true} ], "condition_sets": { "k1": [ "Membership limited to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)", "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "bonus conditions not stated in the feed", "Membership limited to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members (the lender's words)", "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services…", "the bonus rate is paid only in a month with deposits of at least $200 and no withdrawals", "only one bonus saver account per member" ], "k2": [ "Membership limited to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members (the lender's words)", "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Membership limited to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)", "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian em…", "5.60% is an introductory total (2.70% base plus 2.90% intro) that ends after the fourth calendar month, then the account converts to Netlink Direct at 2.70%", "only new-to-bank money counts; funds must come from an external account, not another QBANK account", "members aged 13 and over, individual or joint" ], "k3": [ "Membership limited to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)", "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Membership limited to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members (the lender's words)", "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services…" ] }, "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": "S70_Bonus", "product_name": "Bonus Saver", "product_label": "Bonus Saver", "product_slug": "bonus-saver", "page": "/au/finance/savings-accounts/accounts/qbank/bonus-saver/", "product_url": "https://www.qbank.com.au/products/accounts/savings-accounts/bonus-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.qbank.com.au/terms-conditions/", "fees_url": "https://www.qbank.com.au/rates-fees/", "eligibility_url": "https://www.qbank.com.au/who-can-join/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Be rewarded with bonus interest for regular saving", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": 1000000, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.2, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 5.2, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 5.2, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 54, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 51, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 44, "of": 91, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Bonus Interest paid if you deposit $200 or more in a month and no withdrawals." ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "notifications" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members", "level": "bank", "quote": "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members.", "source": "feed: eligibility OTHER" }, { "kind": "occupation", "who": "citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the…", "level": "bank", "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the Bank.", "source": "feed: eligibility OTHER" } ], "open_note": null }, "conditions": [ "Membership limited to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)", "not updated by the bank since 2026-10-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "bonus conditions not stated in the feed", "Membership limited to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members (the lender's words)", "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services…", "the bonus rate is paid only in a month with deposits of at least $200 and no withdrawals", "only one bonus saver account per member" ], "eligibility": [ "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members." ], "record_stale": true, "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S70_Bonus", "source_snapshot": "/au/finance/savings-accounts/v1/source/qbank/S70_Bonus.json", "snapshot_at": "2026-10-22T13:25:34Z", "bank_last_updated": "2026-10-01T05:59:01.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.qbank.com.au/banking-accounts/savings-accounts/bonus-saver/", "https://www.qbank.com.au/media/3836/irc271026-deposit-rates-schedule.pdf", "https://www.qbank.com.au/media/4347/27102026_qbank-gitc_a4.pdf", "https://www.qbank.com.au/media/4953/summary-of-accounts-access-facilities-and-transaction-limits-16092026.pdf", "https://www.qbank.com.au/media/3143/qbank-sfc0425-schedule-fees-charges-v2.pdf", "https://www.qbank.com.au/who-can-join/" ] } }, { "product_id": "S8_Xmas", "product_name": "Christmas Club", "product_label": "Christmas Club", "product_slug": "christmas-club", "page": "/au/finance/savings-accounts/accounts/qbank/christmas-club/", "product_url": "https://www.qbank.com.au/products/accounts/savings-accounts/christmas-club-account/", "rate_correction": null, "interest_paid_correction": { "quote": "Variable rate, interest calculated on daily balance, paid yearly on 31 October.", "url": "https://www.qbank.com.au/media/3836/irc271026-deposit-rates-schedule.pdf", "checked": "2026-11-01", "citation": { "quote": "Variable rate, interest calculated on daily balance, paid yearly on 31 October.", "url": "https://www.qbank.com.au/media/3836/irc271026-deposit-rates-schedule.pdf#page=1", "page": 1, "document_sha256": "49bcf383d000bdcc9a4429d3db9ab6d29986d6560fbca53a612f3f189c60c93d", "confirmed": "2026-11-13" } }, "min_balance_correction": null, "terms_url": "https://www.qbank.com.au/terms-conditions/", "fees_url": "https://www.qbank.com.au/rates-fees/", "eligibility_url": "https://www.qbank.com.au/who-can-join/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Lock away your savings to relax and enjoy the festive season", "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": 2.65, "intro_pct": null, "base_pct": 2.65 }, "50000": { "ongoing_pct": 2.65, "intro_pct": null, "base_pct": 2.65 }, "250000": { "ongoing_pct": 2.65, "intro_pct": null, "base_pct": 2.65 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "app": false, "notifications": true, "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": [ "Osko", "PayID", "BPAY", "notifications", "unlimited transactions" ], "interest_paid": "annually", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "occupation_membership", "christmas_club", "existing_customers" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members", "level": "bank", "quote": "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members.", "source": "feed: eligibility OTHER" }, { "kind": "occupation", "who": "citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the…", "level": "bank", "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the Bank.", "source": "feed: eligibility OTHER" }, { "kind": "existing_customers", "who": "closed to new applicants; only existing holders keep it", "level": "product", "quote": "Christmas Club is no longer available to new applicants.", "source": "https://www.qbank.com.au/media/3836/irc271026-deposit-rates-schedule.pdf", "citation": { "quote": "Christmas Club is no longer available to new applicants.", "url": "https://www.qbank.com.au/media/3836/irc271026-deposit-rates-schedule.pdf#page=1", "page": 1, "document_sha256": "49bcf383d000bdcc9a4429d3db9ab6d29986d6560fbca53a612f3f189c60c93d", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "Membership limited to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)", "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a Christmas club account: withdrawals are restricted for most of the year", "Membership limited to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members (the lender's words)", "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services…", "closed to new applicants; only existing holders keep it", "interest is paid once a year on 31 October, not monthly", "a $5 fee applies to withdrawals and transfers between 1 January and 31 October" ], "eligibility": [ "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members." ], "record_stale": true, "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S8_Xmas", "source_snapshot": "/au/finance/savings-accounts/v1/source/qbank/S8_Xmas.json", "snapshot_at": "2026-10-22T13:25:34Z", "bank_last_updated": "2026-10-15T06:34:53.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.qbank.com.au/media/3836/irc271026-deposit-rates-schedule.pdf", "https://www.qbank.com.au/media/4347/27102026_qbank-gitc_a4.pdf", "https://www.qbank.com.au/media/4953/summary-of-accounts-access-facilities-and-transaction-limits-16092026.pdf", "https://www.qbank.com.au/media/3143/qbank-sfc0425-schedule-fees-charges-v2.pdf", "https://www.qbank.com.au/who-can-join/" ] } }, { "product_id": "S19_Intro", "product_name": "Intro Saver", "product_label": "Intro Saver", "product_slug": "intro-saver", "page": "/au/finance/savings-accounts/accounts/qbank/intro-saver/", "product_url": "https://www.qbank.com.au/banking-accounts/savings-accounts/intro-saver/", "rate_correction": { "quote": "After the introductory period, your Intro Saver will automatically convert to our Netlink Direct account", "url": "https://www.qbank.com.au/banking-accounts/savings-accounts/intro-saver/", "checked": "2026-11-01", "citation": { "quote": "After the introductory period, your Intro Saver will automatically convert to our Netlink Direct account", "url": "https://www.qbank.com.au/banking-accounts/savings-accounts/intro-saver/#:~:text=After%20the%20introductory%20period%2C%20your,to%20our%20Netlink%20Direct%20account", "document_sha256": "50808618a9b56da730eac0466d29667d8d5c4b2d5b0cdb2b9742f42e0762479a", "confirmed": "2026-11-13" } }, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.qbank.com.au/terms-conditions/", "fees_url": "https://www.qbank.com.au/rates-fees/", "eligibility_url": "https://www.qbank.com.au/who-can-join/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Earn Interest with unlimited transactions", "bonus_is_total": null, "intro_is_total": false, "intro_is_bonus_rate": false, "intro_months": 5, "intro_conditions": [ "new accounts only: New to bank funds are defined as funds from an external account. Internal QBANK to QBANK transfers will not be eligible." ], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 2.7, "intro_pct": 5.6, "base_pct": 2.7 }, "50000": { "ongoing_pct": 2.7, "intro_pct": 5.6, "base_pct": 2.7 }, "250000": { "ongoing_pct": 2.7, "intro_pct": 5.6, "base_pct": 2.7 } }, "rankings": [ { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 34, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 30, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 21, "of": 91, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Our sweep service automatically transfers funds from certain savings accounts to cover mo…" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "notifications", "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": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the…", "level": "bank", "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the Bank.", "source": "feed: eligibility OTHER" }, { "kind": "occupation", "who": "current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members", "level": "bank", "quote": "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members.", "source": "feed: eligibility OTHER" } ], "open_note": null }, "conditions": [ "Membership limited to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members (the lender's words)", "not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Membership limited to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)", "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian em…", "5.60% is an introductory total (2.70% base plus 2.90% intro) that ends after the fourth calendar month, then the account converts to Netlink Direct at 2.70%", "only new-to-bank money counts; funds must come from an external account, not another QBANK account", "members aged 13 and over, individual or joint" ], "eligibility": [ "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or former emplayees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the Bank." ], "record_stale": true, "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S19_Intro", "source_snapshot": "/au/finance/savings-accounts/v1/source/qbank/S19_Intro.json", "snapshot_at": "2026-10-22T13:25:34Z", "bank_last_updated": "2026-10-15T06:31:36.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.qbank.com.au/banking-accounts/savings-accounts/intro-saver/", "https://www.qbank.com.au/media/3836/irc271026-deposit-rates-schedule.pdf", "https://www.qbank.com.au/media/4347/27102026_qbank-gitc_a4.pdf", "https://www.qbank.com.au/media/4953/summary-of-accounts-access-facilities-and-transaction-limits-16092026.pdf", "https://www.qbank.com.au/media/3143/qbank-sfc0425-schedule-fees-charges-v2.pdf", "https://www.qbank.com.au/who-can-join/" ] } }, { "product_id": "S7_Junior", "product_name": "Junior Saver", "product_label": "Junior Saver", "product_slug": "junior-saver", "page": "/au/finance/savings-accounts/accounts/qbank/junior-saver/", "product_url": "https://qbank.com.au/banking-accounts/savings-accounts/junior-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.qbank.com.au/terms-conditions/", "fees_url": "https://www.qbank.com.au/rates-fees/", "eligibility_url": "https://www.qbank.com.au/who-can-join/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Exclusive account for children 12 and under", "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": 2.7, "intro_pct": null, "base_pct": 2.7 }, "50000": { "ongoing_pct": 2.7, "intro_pct": null, "base_pct": 2.7 }, "250000": { "ongoing_pct": 2.7, "intro_pct": null, "base_pct": 2.7 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Our sweep service automatically transfers funds from certain savings accounts to cover mo…" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "notifications", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": 12, "restrictions": [ "occupation_membership", "age_limited", "existing_customers" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members", "level": "bank", "quote": "You must be a member. 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