{
  "brand": "Qudos Bank",
  "brand_label": "Qudos Bank",
  "brand_slug": "qudos-bank",
  "legal_entity_abn": "21087651607",
  "public_base_uri": "https://public.cdr.qudosbank.com.au",
  "logo_uri": "https://cdn.prod.website-files.com/663aabca709a328fd2c0ea2e/663b1305def411e0460bafb4_logo-60.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-14T23:31:23Z",
  "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":5.35,"base_rate_pct":0.1,"bonus_rate_pct":5.25,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"personal","kind":"intro","rate_pct":5.35,"base_rate_pct":0.1,"bonus_rate_pct":5.25,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":4.6,"base_rate_pct":4.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Qsaver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true},
      {"segment":"smsf","kind":"ongoing","rate_pct":4.95,"base_rate_pct":0.35,"bonus_rate_pct":4.6,"intro_rate_pct":null,"intro_months":null,"product_label":"DIY Super","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true},
      {"segment":"smsf","kind":"intro","rate_pct":4.95,"base_rate_pct":0.35,"bonus_rate_pct":4.6,"intro_rate_pct":null,"intro_months":null,"product_label":"DIY Super","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true},
      {"segment":"smsf","kind":"base","rate_pct":0.35,"base_rate_pct":0.35,"bonus_rate_pct":4.6,"intro_rate_pct":null,"intro_months":null,"product_label":"DIY Super","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "deposit $100 or more each month",
        "no withdrawals in the month",
        "One personal account or one personal joint account per person can be applied",
        "one rate applies to the whole balance, so above $100,000 the total rate is 5.00%, not a stepped blend"
      ],
      "k2": [
        "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "k3": [
        "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "no withdrawals in the month",
        "Bonus interest when you make no withdrawals in a calendar month",
        "one bonus-rate savings account (Bonus Saver or DIY Super Saver) per member"
      ]
    },
    "unranked": {
      "products": 1,
      "transaction_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": "3f147739-6090-4a17-9690-05284e62a820",
      "product_name": "Bonus Saver",
      "product_label": "Bonus Saver",
      "product_slug": "bonus-saver",
      "page": "/au/finance/savings-accounts/accounts/qudos-bank/bonus-saver/",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/bonus-saver",
      "rate_correction": {
        "quote": "One interest rate applies to the entire balance.",
        "url": "https://www.qudosbank.com.au/products/savings-accounts/bonus-saver",
        "checked": "2026-11-01",
        "citation": {
          "quote": "One interest rate applies to the entire balance.",
          "url": "https://www.qudosbank.com.au/products/savings-accounts/bonus-saver#:~:text=One%20interest%20rate%20applies%20to%20the%20entire%20balance.",
          "document_sha256": "92845d717c296d56ddd76e6e40056c00f2e307a985f8c05deb9340a23e8eba72",
          "confirmed": "2026-11-13"
        }
      },
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions",
      "fees_url": "https://www.qudosbank.com.au/products/savings-accounts/bonus-saver",
      "eligibility_url": "https://www.qudosbank.com.au/products/savings-accounts/bonus-saver",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Boost your savings when you make no withdrawals in a calendar month. Start building a strong financial future with no minimum deposit.",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "min_monthly_deposit",
          "value": 100,
          "text": "Bonus interest when you deposit at least $100 in a calendar month."
        },
        {
          "type": "max_withdrawals",
          "value": 0,
          "text": "Bonus interest when you make no withdrawals in a calendar month."
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 5.35,
          "intro_pct": null,
          "base_pct": 0.1
        },
        "50000": {
          "ongoing_pct": 5.35,
          "intro_pct": null,
          "base_pct": 0.1
        },
        "250000": {
          "ongoing_pct": 5.0,
          "intro_pct": null,
          "base_pct": 0.1
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 26,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 27,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 39,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 32,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 33,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 43,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": true,
        "app": true,
        "notifications": false,
        "unlimited_transactions": false,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": true,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Set up direct credits and direct debits",
          "Interest calculated daily and credited to your account on the last day of the calendar mo…"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "BPAY",
        "joint accounts"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "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 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "deposit $100 or more each month",
        "no withdrawals in the month",
        "One personal account or one personal joint account per person can be applied",
        "one rate applies to the whole balance, so above $100,000 the total rate is 5.00%, not a stepped blend"
      ],
      "eligibility": [
        "One personal account or one personal joint account per person can be applied",
        "residency: This product is only available to members who have a residential address in Australia: Australian Resident"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/3f147739-6090-4a17-9690-05284e62a820",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/qudos-bank/3f147739-6090-4a17-9690-05284e62a820.json",
      "snapshot_at": "2026-10-22T13:25:35Z",
      "bank_last_updated": "2026-10-14T23:30:22.869Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 3,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.qudosbank.com.au/products/savings-accounts/bonus-saver",
          "https://www.qudosbank.com.au/products/rates/savings-accounts-rates",
          "https://www.qudosbank.com.au/documents/savings-accounts-payment-services",
          "https://cdn.intelligencebank.com/au/share/w8gXkZ/a1lJw/ZOWo6/original/T748+Savings+Account+TCs+Update_2-June_25_FA",
          "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions"
        ]
      }
    },
    {
      "product_id": "d702289f-02a7-4d4a-a781-5bab566c0721",
      "product_name": "Cash Management Account",
      "product_label": "Cash Management Account",
      "product_slug": "cash-management-account",
      "page": "/au/finance/savings-accounts/accounts/qudos-bank/cash-management-account/",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/cash-management-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions",
      "fees_url": "https://www.qudosbank.com.au/products/savings-accounts/cash-management-account",
      "eligibility_url": "https://www.qudosbank.com.au/products/savings-accounts/cash-management-account",
      "account_type": "cash_management",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "A savings account with easy access to funds",
      "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": 3.75,
          "intro_pct": null,
          "base_pct": 3.75
        },
        "50000": {
          "ongoing_pct": 3.75,
          "intro_pct": null,
          "base_pct": 3.75
        },
        "250000": {
          "ongoing_pct": 3.75,
          "intro_pct": null,
          "base_pct": 3.75
        }
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": true,
        "app": true,
        "notifications": false,
        "unlimited_transactions": false,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Set up direct credits and direct debits",
          "Make external transfers to any Australian bank account"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "BPAY"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "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 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [
        "residency: This product is only available to members who have a residential address in Australia: Australian Resident"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/d702289f-02a7-4d4a-a781-5bab566c0721",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/qudos-bank/d702289f-02a7-4d4a-a781-5bab566c0721.json",
      "snapshot_at": "2026-10-22T13:25:35Z",
      "bank_last_updated": "2026-10-14T21:00:31.384Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.qudosbank.com.au/products/savings-accounts/cash-management-account",
          "https://www.qudosbank.com.au/products/rates/savings-accounts-rates",
          "https://www.qudosbank.com.au/documents/savings-accounts-payment-services",
          "https://cdn.intelligencebank.com/au/share/w8gXkZ/a1lJw/ZOWo6/original/T748+Savings+Account+TCs+Update_2-June_25_FA",
          "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions"
        ]
      }
    },
    {
      "product_id": "a2261eee-2403-47b8-ad65-09f6f81d03a0",
      "product_name": "DIY Super",
      "product_label": "DIY Super",
      "product_slug": "diy-super",
      "page": "/au/finance/savings-accounts/accounts/qudos-bank/diy-super/",
      "product_url": "https://www.qudosbank.com.au/products/super-investing/diy-super-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions",
      "fees_url": "https://www.qudosbank.com.au/products/super-investing/diy-super-saver",
      "eligibility_url": "https://www.qudosbank.com.au/products/super-investing/diy-super-saver",
      "account_type": "savings",
      "segments": [
        "smsf"
      ],
      "segment": "smsf",
      "description": "Give your Self-Managed Super Fund a boost. Secure a great rate with our DIY Super Saver account. Enjoy easy access to manage your DIY Super Saver online when you need it, or simply park your investment and watch it grow. You must have a Self Managed Super Fund (SMSF) in order to acquire this produc…",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
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          "value": 0,
          "text": "no withdrawals"
        },
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          "text": "Bonus interest when you make no withdrawals in a calendar month"
        }
      ],
      "extra_bonuses": [],
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      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
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        },
        "50000": {
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        },
        "250000": {
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        }
      },
      "rankings": [
        {
          "segment": "smsf",
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          "balance": 10000,
          "rank": 9,
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        },
        {
          "segment": "smsf",
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          "rank": 9,
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        },
        {
          "segment": "smsf",
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          "balance": 250000,
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        },
        {
          "segment": "smsf",
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        },
        {
          "segment": "smsf",
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          "rank": 11,
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        },
        {
          "segment": "smsf",
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        },
        {
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          "rank": 31,
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        },
        {
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          "rank": 32,
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        },
        {
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        }
      ],
      "features": {
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        "linked_account_required": false,
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        "joint_bonus": null,
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        "other": [
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          "Interest calculated daily and credited to your account at the end of the month",
          "Covered under the Financial Claims Scheme",
          "Earn a bonus rate when your balance is $10,000 or more and you make no withdrawals in a m…",
          "Set up direct debits or direct credits"
        ]
      },
      "feature_tags": [
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      ],
      "interest_paid": "monthly",
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      },
      "conditions": [
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        "no withdrawals in the month",
        "Bonus interest when you make no withdrawals in a calendar month",
        "one bonus-rate savings account (Bonus Saver or DIY Super Saver) per member"
      ],
      "eligibility": [
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        "residency: This product is only available to members who have a residential address in Australia: Australian Resident"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/a2261eee-2403-47b8-ad65-09f6f81d03a0",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/qudos-bank/a2261eee-2403-47b8-ad65-09f6f81d03a0.json",
      "snapshot_at": "2026-10-22T13:25:35Z",
      "bank_last_updated": "2026-10-14T23:31:23.008Z",
      "ranked": true,
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      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
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        ]
      }
    },
    {
      "product_id": "d1b7df1e-f639-4fbd-872b-6d76ce0b39a9",
      "product_name": "Qantas Points Saver",
      "product_label": "Qantas Points Saver",
      "product_slug": "qantas-points-saver",
      "page": "/au/finance/savings-accounts/accounts/qudos-bank/qantas-points-saver/",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/qantas-points-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions",
      "fees_url": "https://www.qudosbank.com.au/products/savings-accounts/qantas-points-saver",
      "eligibility_url": "https://www.qudosbank.com.au/products/savings-accounts/qantas-points-saver",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Saving has never been more rewarding. Earn more than just interest, plus get a complimentary Qantas Frequent Flyer membership*.",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [],
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        "Refer to PDS for details (Accumulation and Pension): Minimum Age",
        "You must be a Qudos Bank Member in order to open a Qudos Bank RSA.",
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      "product_url": "https://www.qudosbank.com.au/products/super-investing/retirement-savings-account",
      "terms_url": "https://cdn.intelligencebank.com/au/share/w8gXkZ/3BWOK/a1lAw/original/Qudos0079_06_RSA-PDS_24_FA",
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        "Refer to PDS for details (Accumulation and Pension): Minimum Age",
        "You must be a Qudos Bank Member in order to open a Qudos Bank RSA.",
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      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/general-savings-account",
      "terms_url": "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions",
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  "licence_shared_with": [
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  "guarantee": {
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    "shares_limit_with": [
      {
        "brand_slug": "bank-australia",
        "brand_label": "Bank Australia"
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    ],
    "may_share_limit_with": [],
    "source": "https://www.apra.gov.au/financial-claims-scheme/banks-building-societies-and-credit-unions/list-authorised-deposit-taking"
  }
}
