{
  "brand": "Queensland Country Bank",
  "brand_label": "Queensland Country Bank",
  "brand_slug": "queensland-country-bank",
  "legal_entity_abn": "77087651027",
  "public_base_uri": "https://public.cdr-api.queenslandcountry.bank",
  "logo_uri": "https://www.queenslandcountry.bank/siteassets/images/logo-bank/qcb-logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-13T00:00:23Z",
  "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":4.55,"base_rate_pct":0.15,"bonus_rate_pct":4.4,"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":false},
      {"segment":"personal","kind":"intro","rate_pct":4.55,"base_rate_pct":0.15,"bonus_rate_pct":4.4,"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":false},
      {"segment":"personal","kind":"base","rate_pct":3.0,"base_rate_pct":3.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":null,"restrictions":[],"record_stale":false},
      {"segment":"business","kind":"ongoing","rate_pct":3.0,"base_rate_pct":3.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Saver","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":false},
      {"segment":"business","kind":"intro","rate_pct":3.0,"base_rate_pct":3.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Saver","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":false},
      {"segment":"business","kind":"base","rate_pct":3.0,"base_rate_pct":3.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Online Saver","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":false}
    ],
    "condition_sets": {
      "k1": [
        "no withdrawals in the month",
        "deposit $20 or more each month",
        "a transfer out of the account also forfeits the bonus, not just a withdrawal; the bonus also needs a deposit of $20 in the calendar month"
      ],
      "k2": [
        "a business (company, partnership or sole trader with an ABN, incorporated association or co-operative); business and personal accounts must be opened separately"
      ]
    },
    "unranked": {
      "products": 6,
      "transaction_account": 5,
      "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": "7",
      "product_name": "Bonus Saver",
      "product_label": "Bonus Saver",
      "product_slug": "bonus-saver",
      "page": "/au/finance/savings-accounts/accounts/queensland-country-bank/bonus-saver/",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/bonus-saver/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "An account which rewards the dedicated saver",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "max_withdrawals",
          "value": 0,
          "text": "0"
        },
        {
          "type": "min_monthly_deposit",
          "value": 20,
          "text": "20.00"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 4.55,
          "intro_pct": null,
          "base_pct": 0.15
        },
        "50000": {
          "ongoing_pct": 4.55,
          "intro_pct": null,
          "base_pct": 0.15
        },
        "250000": {
          "ongoing_pct": 4.55,
          "intro_pct": null,
          "base_pct": 0.15
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 51,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 52,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 52,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 55,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 56,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 55,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "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": [
          "Bonus Interest is paid when at least $20 is deposited into the Bonus Saver and no withdra…"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Transaction Fees"
      ],
      "age_min": 18,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "no withdrawals in the month",
        "deposit $20 or more each month",
        "a transfer out of the account also forfeits the bonus, not just a withdrawal; the bonus also needs a deposit of $20 in the calendar month"
      ],
      "eligibility": [],
      "record_stale": false,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/queensland-country-bank/7.json",
      "snapshot_at": "2026-11-13T01:42:26Z",
      "bank_last_updated": "2026-11-13T00:00:23.8091263Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.queenslandcountry.bank/banking/savings-accounts/bonus-saver/",
          "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
          "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf"
        ]
      }
    },
    {
      "product_id": "23",
      "product_name": "Business Online Saver",
      "product_label": "Business Online Saver",
      "product_slug": "business-online-saver",
      "page": "/au/finance/savings-accounts/accounts/queensland-country-bank/business-online-saver/",
      "product_url": "https://www.queenslandcountry.bank/business-banking/business-accounts/business-online-saver/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Our Business Online Saver is ideal if you want a high interest rate on funds that are at call and prefer to transact via online 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": {
          "ongoing_pct": 3.0,
          "intro_pct": null,
          "base_pct": 3.0
        },
        "50000": {
          "ongoing_pct": 3.0,
          "intro_pct": null,
          "base_pct": 3.0
        },
        "250000": {
          "ongoing_pct": 3.0,
          "intro_pct": null,
          "base_pct": 3.0
        }
      },
      "rankings": [
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 13,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 16,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 18,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 10000,
          "rank": 13,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 50000,
          "rank": 17,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 250000,
          "rank": 19,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 10000,
          "rank": 11,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 50000,
          "rank": 14,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 250000,
          "rank": 16,
          "of": 42
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "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": []
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Transaction Fees"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "a business (company, partnership or sole trader with an ABN, incorporated association or co-operative); business and personal accounts must be opened separately"
      ],
      "eligibility": [],
      "record_stale": false,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/23",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/queensland-country-bank/23.json",
      "snapshot_at": "2026-11-13T01:42:26Z",
      "bank_last_updated": "2026-11-13T00:00:23.8091263Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.queenslandcountry.bank/business-banking/business-accounts/business-online-saver/",
          "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
          "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf"
        ]
      }
    },
    {
      "product_id": "8",
      "product_name": "Christmas Club",
      "product_label": "Christmas Club",
      "product_slug": "christmas-club",
      "page": "/au/finance/savings-accounts/accounts/queensland-country-bank/christmas-club/",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/christmas-club/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Designed to help you save for the festive season, deposit regularly throughout the year and watch your savings grow.",
      "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": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "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": [
          "Interest is paid on the entire balance"
        ]
      },
      "feature_tags": [
        "app"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Transaction Fees"
      ],
      "age_min": 13,
      "age_max": null,
      "restrictions": [
        "christmas_club"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "a Christmas club account: withdrawals are restricted for most of the year",
        "funds can only be withdrawn by transferring to another account or visiting a branch (no card; no direct debits)"
      ],
      "eligibility": [],
      "record_stale": false,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/queensland-country-bank/8.json",
      "snapshot_at": "2026-11-13T01:42:26Z",
      "bank_last_updated": "2026-11-13T00:00:23.8091263Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.queenslandcountry.bank/banking/savings-accounts/christmas-club/",
          "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
          "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf"
        ]
      }
    },
    {
      "product_id": "10",
      "product_name": "Future Start Savings",
      "product_label": "Future Start Savings",
      "product_slug": "future-start-savings",
      "page": "/au/finance/savings-accounts/accounts/queensland-country-bank/future-start-savings/",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/future-start/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Encouraging savings for our Students and Apprentices with a bonus interest rate once the minimum $5 monthly deposit is made and no more than one withdrawal in the same month",
      "bonus_is_total": false,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "max_withdrawals",
          "value": 1,
          "text": "1"
        },
        {
          "type": "min_monthly_deposit",
          "value": 5,
          "text": "5.00"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 4.55,
          "intro_pct": null,
          "base_pct": 0.15
        },
        "50000": {
          "ongoing_pct": 4.55,
          "intro_pct": null,
          "base_pct": 0.15
        },
        "250000": {
          "ongoing_pct": 4.55,
          "intro_pct": null,
          "base_pct": 0.15
        }
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "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": [
          "Bonus Interest is paid when at least $5 is deposited into the account for that calendar m…"
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Transaction Fees"
      ],
      "age_min": 18,
      "age_max": 23,
      "restrictions": [
        "age_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "age",
            "who": "age 23 and under",
            "level": "product",
            "quote": "MAX_AGE 23",
            "source": "feed: eligibility MAX_AGE"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "no more than 1 withdrawal in the month",
        "deposit $5 or more each month",
        "ages 18 to 23",
        "age 23 and under",
        "students only: For 18 - 23 years of age undertaking full-time studies or an Australian apprenticeship"
      ],
      "eligibility": [
        "age 23 and under",
        "students only: For 18 - 23 years of age undertaking full-time studies or an Australian apprenticeship"
      ],
      "record_stale": false,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/10",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/queensland-country-bank/10.json",
      "snapshot_at": "2026-11-13T01:42:26Z",
      "bank_last_updated": "2026-11-13T00:00:23.8091263Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.queenslandcountry.bank/banking/savings-accounts/future-start/",
          "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
          "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf"
        ]
      }
    },
    {
      "product_id": "6",
      "product_name": "Online Saver",
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