{ "brand": "Rabobank", "brand_label": "Rabobank", "brand_slug": "rabobank", "legal_entity_abn": "50001621129", "public_base_uri": "https://openbanking.api.rabobank.com.au/public", "logo_uri": "https://www.rabobank.com.au/content/dam/ranz/ranz-website-images/rbau-images/logo/rb-logo-stacked-200x242px.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-12T23:52:08Z", "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":5.65,"base_rate_pct":0.8,"bonus_rate_pct":4.85,"intro_rate_pct":null,"intro_months":null,"product_label":"PremiumSaver","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":["linked_account"],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":6.15,"base_rate_pct":4.15,"bonus_rate_pct":null,"intro_rate_pct":2.0,"intro_months":4,"product_label":"High Interest Savings Account","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":["linked_account"],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":4.15,"base_rate_pct":4.15,"bonus_rate_pct":null,"intro_rate_pct":2.0,"intro_months":4,"product_label":"High Interest Savings Account","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":["linked_account"],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":4.85,"base_rate_pct":0.7,"bonus_rate_pct":4.15,"intro_rate_pct":null,"intro_months":null,"product_label":"PremiumSaver (SMSF)","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":["linked_account"],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":5.65,"base_rate_pct":3.6,"bonus_rate_pct":null,"intro_rate_pct":2.05,"intro_months":4,"product_label":"High Interest Savings Account (SMSF)","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":4.0,"base_rate_pct":4.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Call Deposit Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k5","restrictions":["linked_account"],"record_stale":false}, {"segment":"business","kind":"ongoing","rate_pct":4.2,"base_rate_pct":0.25,"bonus_rate_pct":3.95,"intro_rate_pct":null,"intro_months":null,"product_label":"PremiumSaver (Business)","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k6","restrictions":["linked_account"],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":5.55,"base_rate_pct":3.55,"bonus_rate_pct":null,"intro_rate_pct":2.0,"intro_months":4,"product_label":"High Interest Savings Account (Business)","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k7","restrictions":["linked_account"],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":4.0,"base_rate_pct":4.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Call Deposit Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k5","restrictions":["linked_account"],"record_stale":false} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "grow the balance by $200 or more each month", "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…", "Funds can only be transferred externally to the nominated linked account." ], "k2": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Funds can only be transferred externally to the nominated linked account.", "no intro rate if you opened any Rabobank Online Savings account in the last 2 years" ], "k3": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "grow the balance by $200 or more each month", "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…", "Funds can only be transferred externally to the nominated linked account.", "SMSF products are available only to SMSF trustees." ], "k4": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Funds can only be transferred externally to the nominated linked account.", "SMSF products are available only to SMSF trustees.", "no intro rate if you opened any Rabobank Online Savings account in the last 2 years" ], "k5": [ "Funds can only be transferred externally to the linked nominated account.", "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…", "opened at a branch, or by phone for existing clients; not online" ], "k6": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "grow the balance by $2,000 or more each month", "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…", "Funds can only be transferred externally to the nominated linked account.", "The business must be an active non-financial entity.", "The business must have an Australian bank account in its name with another financial institution.", "open to active or passive non-financial entities: proprietary companies, sole traders and partnerships meeting Rabobank's criteria" ], "k7": [ "not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Funds can only be transferred externally to the nominated linked account.", "The business must be an active non-financial entity.", "The business must have an Australian bank account in its name with another financial institution.", "no intro rate if you opened any Rabobank Online Savings account in the last 2 years", "open to active or passive non-financial entities: proprietary companies, sole traders and partnerships meeting Rabobank's criteria" ] }, "unranked": { "products": 4, "farm_management_deposit": 1, "other_segment": 3 } }, "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": "a023c7eb-54cc-4919-9683-9d478d34ee3e", "product_name": "Call Deposit Account", "product_label": "Call Deposit Account", "product_slug": "call-deposit-account", "page": "/au/finance/savings-accounts/accounts/rabobank/call-deposit-account/", "product_url": "https://www.rabobank.com.au/banking/deposits/#call-deposits", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.rabobank.com.au/ctd_tcs.html", "fees_url": "https://www.rabobank.com.au/product-rates#call_deposits", "eligibility_url": "https://www.rabobank.com.au/banking/deposits/#call-deposits", "account_type": "savings", "segments": [ "personal", "smsf", "business" ], "segment": "personal", "description": "This at-call deposit account gives you an easy way to invest extra cash, while still being able get your hands on it anytime you need it.", "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": 5000, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 4.0, "intro_pct": null, "base_pct": 4.0 }, "50000": { "ongoing_pct": 4.0, "intro_pct": null, "base_pct": 4.0 }, "250000": { "ongoing_pct": 4.0, "intro_pct": null, "base_pct": 4.0 } }, "rankings": [ { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 10, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 11, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 12, "of": 35 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 7, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 9, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 11, "of": 42 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": true, "notifications": true, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": true, "joint_bonus": null, "joint_not_for": null, "other": [ "From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a bal…" ] }, "feature_tags": [ "app", "notifications", "unlimited transactions", "linked account required", "joint accounts" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 18, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "Funds can only be transferred externally to the linked nominated account.", "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…", "opened at a branch, or by phone for existing clients; not online" ], "eligibility": [ "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and other forms of business structures that Rabobank may accept from time to time.", "Funds can only be transferred externally to the linked nominated account." ], "record_stale": false, "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/a023c7eb-54cc-4919-9683-9d478d34ee3e", "source_snapshot": "/au/finance/savings-accounts/v1/source/rabobank/a023c7eb-54cc-4919-9683-9d478d34ee3e.json", "snapshot_at": "2026-11-13T01:42:29Z", "bank_last_updated": "2026-11-12T23:52:08Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.rabobank.com.au/banking/deposits/", "https://www.rabobank.com.au/product-rates", "https://www.rabobank.com.au/ctd_tcs.html" ] } }, { "product_id": "1959ca34-15f6-4937-996b-3f8434129d04", "product_name": "Cash Management Account", "product_label": "Cash Management Account", "product_slug": "cash-management-account", "page": "/au/finance/savings-accounts/accounts/rabobank/cash-management-account/", "product_url": "https://www.rabobank.com.au/banking/deposits#cash-management-accounts", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.rabobank.com.au/ctd_tcs.html", "fees_url": "https://www.rabobank.com.au/rabobank_standardfees.html", "eligibility_url": "https://www.rabobank.com.au/banking/deposits#cash-management-accounts", "account_type": "cash_management", "segments": [ "personal", "smsf", "business" ], "segment": "personal", "description": "The Rabobank Cash Management account, being a flexible savings account with transactional facilities, is designed to help you efficiently manage your day-to-day money.", "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": 20000, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": null, "50000": { "ongoing_pct": 0.05, "intro_pct": null, "base_pct": 0.05 }, "250000": { "ongoing_pct": 0.05, "intro_pct": null, "base_pct": 0.05 } }, "rankings": [], "features": { "card_access": true, "card": "Rabobank Visa Debit Card.", "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": true, "joint_bonus": null, "joint_not_for": null, "other": [ "From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a bal…" ] }, "feature_tags": [ "card", "app", "BPAY", "notifications", "unlimited transactions", "joint accounts" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": 0.0, "monthly_fee_note": null, "fees_without_amount": [ "VISA Debit Card Currency Conversion Fee (% of converted amount)", "Debit Interest" ], "age_min": 18, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-08-28, before the Reserve Bank's cash rate rise of 4 November 2026; 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