{
  "brand": "Summerland Bank",
  "brand_label": "Summerland Bank",
  "brand_slug": "summerland-bank",
  "legal_entity_abn": "21087650360",
  "public_base_uri": "https://public.cdr-api.summerland.com.au",
  "logo_uri": "https://www.summerland.com.au/app/uploads/2024/02/SB_Logo_NoTagline_Stacked_RGB_BLACK.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-13T00:00:40Z",
  "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":4.75,"base_rate_pct":0.0,"bonus_rate_pct":4.75,"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":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":4.75,"base_rate_pct":0.0,"bonus_rate_pct":4.75,"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":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":0.0,"base_rate_pct":0.0,"bonus_rate_pct":4.75,"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":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "deposit $100 or more each month",
        "no withdrawals in the month",
        "online applications are currently unavailable"
      ]
    },
    "unranked": {
      "products": 8,
      "transaction_account": 6,
      "offset_account": 1,
      "no_rate": 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": "2",
      "product_name": "Bonus Saver",
      "product_label": "Bonus Saver",
      "product_slug": "bonus-saver",
      "page": "/au/finance/savings-accounts/accounts/summerland-bank/bonus-saver/",
      "product_url": "https://summerland.com.au/saving-investing-accounts",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.summerland.com.au/account-access-facility-conditions-of-use",
      "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits",
      "eligibility_url": "https://www.summerland.com.au/summary-of-accounts-and-access-facilities",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Save for a holiday, car or even a deposit for a new home! Summerland's Bonus Saver account is designed to help you reach your savings goals. Deposit $100 per calendar month & make no withdrawals to earn bonus interest.",
      "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": "no withdrawals"
        }
      ],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 4.75,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "50000": {
          "ongoing_pct": 4.75,
          "intro_pct": null,
          "base_pct": 0.0
        },
        "250000": {
          "ongoing_pct": 4.75,
          "intro_pct": null,
          "base_pct": 0.0
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 48,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 48,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 47,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 52,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 52,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 50,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 78,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 78,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 78,
          "of": 79
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "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": [
          "Save on paper, receive and view your statements online with eStatements."
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "notifications",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Deposited Cheque Item Fee"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "deposit $100 or more each month",
        "no withdrawals in the month",
        "online applications are currently unavailable"
      ],
      "eligibility": [
        "residency: An eligibility constraint based on residency status applies."
      ],
      "record_stale": false,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/2",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/summerland-bank/2.json",
      "snapshot_at": "2026-11-13T01:42:35Z",
      "bank_last_updated": "2026-11-13T00:00:40.5826068Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.summerland.com.au/my-banking/bank-accounts/savings-account",
          "https://www.summerland.com.au/my-banking/bank-accounts/everyday-transaction-accounts",
          "https://www.summerland.com.au/app/uploads/2023/11/SavingsInterestRate_07072026.pdf",
          "https://www.summerland.com.au/app/uploads/2023/11/Summary-of-accounts-and-access-facilities_Draft-Spilt-Table_07072026.pdf",
          "https://www.summerland.com.au/app/uploads/2026/10/fees-charges-transaction-limits.pdf",
          "https://www.summerland.com.au/app/uploads/2023/11/Account-Access-Facility-Conditions-of-Use-V2-1.pdf"
        ]
      }
    },
    {
      "product_id": "8",
      "product_name": "Gold Class",
      "product_label": "Gold Class",
      "product_slug": "gold-class",
      "page": "/au/finance/savings-accounts/accounts/summerland-bank/gold-class/",
      "product_url": "https://www.summerland.com.au/my-banking/bank-accounts/everyday-transaction-accounts",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.summerland.com.au/account-access-facility-conditions-of-use",
      "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits",
      "eligibility_url": "https://www.summerland.com.au/summary-of-accounts-and-access-facilities",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "For those aged 65 or over or receiving a Government Aged, Veteran or Disability Pension.",
      "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": 1.07,
          "intro_pct": null,
          "base_pct": 1.07
        },
        "50000": {
          "ongoing_pct": 1.75,
          "intro_pct": null,
          "base_pct": 1.75
        },
        "250000": {
          "ongoing_pct": 2.59,
          "intro_pct": null,
          "base_pct": 2.59
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 81,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 73,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 59,
          "of": 91,
          "hidden_by_default": true
        }
      ],
      "features": {
        "card_access": true,
        "card": "Link an eftpos or Visa card to the account for convenient a…",
        "digital_wallets": [
          "Apple Pay.",
          "Google Pay"
        ],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "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": [
          "Save on paper, receive and view your statements online with eStatements."
        ]
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "PayID",
        "notifications",
        "unlimited transactions",
        "wallets: Apple Pay., Google Pay"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [
        "Deposited Cheque Item Fee"
      ],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "pensioner",
        "age_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "age",
            "who": "open to people aged 65 or over as well as pension recipients",
            "level": "product",
            "quote": "We make banking easy for aged 65 or over and those in receipt of an eligible government pension",
            "source": "https://www.summerland.com.au/my-banking/bank-accounts/everyday-transaction-accounts",
            "citation": {
              "quote": "We make banking easy for aged 65 or over and those in receipt of an eligible government pension",
              "url": "https://www.summerland.com.au/my-banking/bank-accounts/everyday-transaction-accounts#:~:text=We%20make%20banking%20easy%20for,of%20an%20eligible%20government%20pension",
              "document_sha256": "295fc0c01aff0d7cd61b8d641a1a33bd6590843572215e9f6117073c09055c67",
              "confirmed": "2026-11-13"
            }
          },
          {
            "kind": "pension",
            "who": "pension or allowance recipients",
            "level": "product",
            "quote": "Gold Class",
            "source": "name"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "open only to pension or allowance recipients",
        "pension recipients only: A recipient of a Government Aged, Veteran or Disability Pension may apply for this account.",
        "open to people aged 65 or over as well as pension recipients"
      ],
      "eligibility": [
        "pension recipients only: A recipient of a Government Aged, Veteran or Disability Pension may apply for this account.",
        "residency: An eligibility constraint based on residency status applies."
      ],
      "record_stale": false,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/summerland-bank/8.json",
      "snapshot_at": "2026-11-13T01:42:35Z",
      "bank_last_updated": "2026-11-13T00:00:40.5826068Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 4,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.summerland.com.au/my-banking/bank-accounts/savings-account",
          "https://www.summerland.com.au/my-banking/bank-accounts/everyday-transaction-accounts",
          "https://www.summerland.com.au/app/uploads/2023/11/SavingsInterestRate_07072026.pdf",
          "https://www.summerland.com.au/app/uploads/2023/11/Summary-of-accounts-and-access-facilities_Draft-Spilt-Table_07072026.pdf",
          "https://www.summerland.com.au/app/uploads/2026/10/fees-charges-transaction-limits.pdf",
          "https://www.summerland.com.au/app/uploads/2023/11/Account-Access-Facility-Conditions-of-Use-V2-1.pdf"
        ]
      }
    },
    {
      "product_id": "9",
      "product_name": "Business Plus",
      "product_label": "Business Plus",
      "product_slug": "business-plus",
      "page": "/au/finance/savings-accounts/accounts/summerland-bank/business-plus/",
      "product_url": "https://summerland.com.au/my-business-banking/business-bank-accounts/business-plus-account/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.summerland.com.au/account-access-facility-conditions-of-use",
      "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits",
      "eligibility_url": "https://www.summerland.com.au/summary-of-accounts-and-access-facilities",
      "account_type": "transaction",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Convenient transaction account for business.",
      "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": null,
        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Link an eftpos or Visa card to the account for convenient a…",
        "digital_wallets": [
          "Apple Pay.",
          "Google Pay"
        ],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "unlimited_transactions": true,
        "free_transactions": 20,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Save on paper, receive and view your statements online with eStatements.",
          "Simplify your bookkeeping with direct transaction feeds."
        ]
      },
      "feature_tags": [
        "card",
        "app",
        "Osko",
        "PayID",
        "notifications",
        "unlimited transactions",
        "wallets: Apple Pay., Google Pay",
        "20 free transactions a month"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": 10.0,
      "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 2026-06-27, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed"
      ],
      "eligibility": [
        "business: Only a business may apply for the account.",
        "residency: A Permanent Australian Resident including those working overseas. Entities must be a Permanent Resident of Australia,"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/9",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/summerland-bank/9.json",
      "snapshot_at": "2026-10-22T13:25:46Z",
      "bank_last_updated": "2026-06-27T16:00:40.3243706Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    },
    {
      "product_id": "10",
      "product_name": "Community First",
      "product_label": "Community First",
      "product_slug": "community-first",
      "page": "/au/finance/savings-accounts/accounts/summerland-bank/community-first/",
      "product_url": "https://summerland.com.au/my-business-banking/business-bank-accounts/community-first-account/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.summerland.com.au/account-access-facility-conditions-of-use",
      "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits",
      "eligibility_url": "https://www.summerland.com.au/summary-of-accounts-and-access-facilities",
      "account_type": "transaction",
      "segments": [
        "personal",
        "business"
      ],
      "segment": "personal",
      "description": "An easy to use transaction account with no monthly fee for those operating a not for profit organisation or charity.",
      "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": null,
        "50000": null,
        "250000": null
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "unlimited_transactions": true,
        "free_transactions": 20,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Save on paper, receive and view your statements online with eStatements.",
          "Simplify your bookkeeping with direct transaction feeds."
        ]
      },
      "feature_tags": [
        "app",
        "Osko",
        "PayID",
        "notifications",
        "unlimited transactions",
        "20 free transactions a month"
      ],
      "interest_paid": null,
      "interest_calculated": null,
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": null,
      "restrictions": [
        "organisation_only"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "organisation",
            "who": "clubs, not-for-profits, schools or community organisations",
            "level": "product",
            "quote": "Community First",
            "source": "name"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-06-27, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "open only to clubs, not-for-profits, schools or community organisations",
        "Only a not for profit organisation or charity can apply for this product."
      ],
      "eligibility": [
        "Only a not for profit organisation or charity can apply for this product.",
        "residency: A Permanent Australian Resident including those working overseas. Entities must be a Permanent Resident of Australia,"
      ],
      "record_stale": true,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/10",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/summerland-bank/10.json",
      "snapshot_at": "2026-10-22T13:25:46Z",
      "bank_last_updated": "2026-06-27T16:00:40.3243706Z",
      "ranked": false,
      "unranked_reason": "transaction_account",
      "row_count": 0
    },
    {
      "product_id": "87",
      "product_name": "Community Partnership Account",
      "product_label": "Community Partnership Account",
      "product_slug": "community-partnership-account",
      "page": "/au/finance/savings-accounts/accounts/summerland-bank/community-partnership-account/",
      "product_url": "https://summerland.com.au/open-an-account/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.summerland.com.au/account-access-facility-conditions-of-use",
      "fees_url": "https://www.summerland.com.au/fees-charges-transaction-limits",
      "eligibility_url": "https://www.summerland.com.au/summary-of-accounts-and-access-facilities",
      "account_type": "transaction",
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Get quick access to your money whenever you need it.",
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}
