{
  "brand": "RACQ Bank",
  "brand_label": "RACQ Bank",
  "brand_slug": "racq-bank",
  "legal_entity_abn": "83087651054",
  "public_base_uri": "https://cdrbank.racq.com.au",
  "logo_uri": "https://cdn.intelligencebank.com/au/share/0Mvj/Y0GpK/RqBJZ/original/RACQ-BANK-LOGO_HOR_RGB.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-12T22:13:30Z",
  "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":6.0,"base_rate_pct":0.01,"bonus_rate_pct":6.0,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["region_limited"],"record_stale":true},
      {"segment":"personal","kind":"intro","rate_pct":6.0,"base_rate_pct":0.01,"bonus_rate_pct":6.0,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["region_limited"],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":3.25,"base_rate_pct":3.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"eSave 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":["region_limited"],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-10-12, 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",
        "Bonus Saver accounts are restricted to maximum 2 owned per member.",
        "a Queensland residential address is required"
      ],
      "k2": [
        "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "you need a Queensland residential address"
      ]
    },
    "unranked": {
      "products": 4,
      "transaction_account": 3,
      "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": "404",
      "product_name": "Bonus Saver Account",
      "product_label": "Bonus Saver Account",
      "product_slug": "bonus-saver-account",
      "page": "/au/finance/savings-accounts/accounts/racq-bank/bonus-saver-account/",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our Bonus Saver Account rewards members for saving by providing bonus interest when you deposit at least $100 and make no debit transactions during the month.",
      "bonus_is_total": true,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
      "intro_months": null,
      "intro_conditions": [],
      "bonus_conditions": [
        {
          "type": "min_monthly_deposit",
          "value": 100,
          "text": "100.00"
        },
        {
          "type": "max_withdrawals",
          "value": 0,
          "text": "0"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 6.0,
          "intro_pct": null,
          "base_pct": 0.01
        },
        "50000": {
          "ongoing_pct": 6.0,
          "intro_pct": null,
          "base_pct": 0.01
        },
        "250000": {
          "ongoing_pct": 3.75,
          "intro_pct": null,
          "base_pct": 0.01
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 3,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 3,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 79,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 7,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 7,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 79,
          "of": 91,
          "hidden_by_default": true
        }
      ],
      "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": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Default Enforcement Expenses",
        "Cash Request"
      ],
      "age_min": 13,
      "age_max": null,
      "restrictions": [
        "region_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "region",
            "who": "a Queensland residential address is required",
            "level": "product",
            "quote": "Queensland residential address",
            "source": "https://www.racq.com.au/banking/bank-accounts/savings-accounts/Bonus-saver-account",
            "citation": {
              "quote": "Queensland residential address",
              "url": "https://www.racq.com.au/banking/bank-accounts/savings-accounts/Bonus-saver-account#:~:text=Queensland%20residential%20address",
              "document_sha256": "c928fc8864023568796246c91e9fd6a21706588bc2e7eb138dd761f4bf99a6a7",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-12, 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",
        "Bonus Saver accounts are restricted to maximum 2 owned per member.",
        "a Queensland residential address is required"
      ],
      "eligibility": [
        "residency: Australian Resident",
        "Bonus Saver accounts are restricted to maximum 2 owned per member."
      ],
      "record_stale": true,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/404",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/racq-bank/404.json",
      "snapshot_at": "2026-10-22T13:25:38Z",
      "bank_last_updated": "2026-10-12T22:13:30Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.racq.com.au/banking/bank-accounts/savings-accounts/Bonus-saver-account",
          "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/bank/forms-and-documents/documents/tmd/2026/btmd00240126_tmd-bonus-saver-account.pdf",
          "RACQ Deposit Rate Schedule 13 Oct 2026",
          "RACQ Bank T&Cs 22 Aug 2025"
        ]
      }
    },
    {
      "product_id": "504",
      "product_name": "eSave Account",
      "product_label": "eSave Account",
      "product_slug": "esave-account",
      "page": "/au/finance/savings-accounts/accounts/racq-bank/esave-account/",
      "product_url": "https://www.racq.com.au/banking/bank-accounts/savings-accounts/eSave-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our eSave Account is an online savings account that allows you to earn a competitive rate of interest while your money remains 'at call'. Access to the account is available via internet banking and phone banking only.",
      "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": 3.25,
          "intro_pct": null,
          "base_pct": 3.25
        },
        "50000": {
          "ongoing_pct": 3.25,
          "intro_pct": null,
          "base_pct": 3.25
        },
        "250000": {
          "ongoing_pct": 3.25,
          "intro_pct": null,
          "base_pct": 3.25
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 51,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 48,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 49,
          "of": 91,
          "hidden_by_default": true
        }
      ],
      "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": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Default Enforcement Expenses"
      ],
      "age_min": 13,
      "age_max": null,
      "restrictions": [
        "region_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "region",
            "who": "you need a Queensland residential address",
            "level": "product",
            "quote": "Queensland residential address",
            "source": "https://www.racq.com.au/banking/bank-accounts/savings-accounts/eSave-account",
            "citation": {
              "quote": "Queensland residential address",
              "url": "https://www.racq.com.au/banking/bank-accounts/savings-accounts/eSave-account#:~:text=Queensland%20residential%20address",
              "document_sha256": "7850729004f854bee191daaadae7af4de5e39d3b7a97df35ec0688d40486cb8d",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "you need a Queensland residential address"
      ],
      "eligibility": [
        "residency: Australian Resident"
      ],
      "record_stale": true,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/504",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/racq-bank/504.json",
      "snapshot_at": "2026-10-22T13:25:38Z",
      "bank_last_updated": "2026-10-12T22:13:30Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.racq.com.au/banking/bank-accounts/savings-accounts/eSave-account",
          "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/bank/forms-and-documents/documents/interest-rates-schedules/Deposit-Rate-Schedule-13102026.pdf",
          "https://www.racq.com.au/banking/support-and-faqs/forms-documents"
        ]
      }
    },
    {
      "product_id": "601",
      "product_name": "Advantage Plus Account",
      "product_label": "Advantage Plus Account",
      "product_slug": "advantage-plus-account",
      "page": "/au/finance/savings-accounts/accounts/racq-bank/advantage-plus-account/",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our Advantage Plus Account is a straightforward 'at call' transaction account available exclusively to members aged 55 years and over. This account enables you to manage your everyday banking while earning a competitive rate of interest.",
      "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": 1.01,
          "intro_pct": null,
          "base_pct": 1.01
        },
        "50000": {
          "ongoing_pct": 1.8,
          "intro_pct": null,
          "base_pct": 1.8
        },
        "250000": {
          "ongoing_pct": 3.16,
          "intro_pct": null,
          "base_pct": 3.16
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Visa Debit card",
        "digital_wallets": [
          "Apple Pay",
          "Google Pay",
          "Samsung Pay"
        ],
        "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": [
        "card",
        "app",
        "Osko",
        "PayID",
        "unlimited transactions",
        "wallets: Apple Pay, Google Pay, Samsung Pay"
      ],
      "interest_paid": "quarterly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Cash Request",
        "Foreign currency conversion fee",
        "Card / PIN via Courier (International)",
        "Bank@Post Cheque Dishonour",
        "Default Enforcement Expenses"
      ],
      "age_min": 55,
      "age_max": null,
      "restrictions": [
        "age_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "age",
            "who": "age 55 and over",
            "level": "product",
            "quote": "MIN_AGE 55",
            "source": "feed: eligibility MIN_AGE"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "age 55 and over"
      ],
      "eligibility": [
        "residency: Australian Resident",
        "age 55 and over"
      ],
      "record_stale": true,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/601",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/racq-bank/601.json",
      "snapshot_at": "2026-10-22T13:25:38Z",
      "bank_last_updated": "2026-10-12T22:13:30Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 3
    },
    {
      "product_id": "221",
      "product_name": "Business Unsecured Current Account",
      "product_label": "Business Unsecured Current Account",
      "product_slug": "business-unsecured-current-account",
      "page": "/au/finance/savings-accounts/accounts/racq-bank/business-unsecured-current-account/",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Our Business Unsecured Current Account is an 'at call' transaction account for non-personal entities, such as sole traders, partnerships etc.",
      "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": {
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          "intro_pct": null,
          "base_pct": 0.01
        },
        "50000": {
          "ongoing_pct": 0.01,
          "intro_pct": null,
          "base_pct": 0.01
        },
        "250000": {
          "ongoing_pct": 0.01,
          "intro_pct": null,
          "base_pct": 0.01
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Visa Debit card",
        "digital_wallets": [
          "Apple Pay",
          "Google Pay",
          "Samsung Pay"
        ],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": false,
        "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": [
        "card",
        "Osko",
        "PayID",
        "unlimited transactions",
        "wallets: Apple Pay, Google Pay, Samsung Pay"
      ],
      "interest_paid": "quarterly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Card / PIN via Courier (International)",
        "Foreign currency conversion fee",
        "Default Enforcement Expenses",
        "Cash Request",
        "Bank@Post Cheque Dishonour"
      ],
      "age_min": 18,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-03-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "This product is available to Non-personal members only, e.g. Sole trader, Partnership, Company, Trusts."
      ],
      "eligibility": [
        "This product is available to Non-personal members only, e.g. Sole trader, Partnership, Company, Trusts."
      ],
      "record_stale": true,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/221",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/racq-bank/221.json",
      "snapshot_at": "2026-10-22T13:25:38Z",
      "bank_last_updated": "2026-03-13T04:27:08Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 1
    },
    {
      "product_id": "207",
      "product_name": "Everyday Account",
      "product_label": "Everyday Account",
      "product_slug": "everyday-account",
      "page": "/au/finance/savings-accounts/accounts/racq-bank/everyday-account/",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "eligibility_url": null,
      "account_type": "transaction",
      "segments": [
        "personal"
      ],
      "segment": "personal",
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      "rate_application": "whole_balance",
      "ranked": false,
      "unranked_reason": "transaction_account"
    }
  ],
  "licence_shared_with": [],
  "guarantee": null
}