{
  "brand": "SWSbank",
  "brand_label": "SWS Bank",
  "brand_slug": "swsbank",
  "legal_entity_abn": "80087650673",
  "public_base_uri": "https://online.swsbank.com.au/openbanking",
  "logo_uri": "https://www.swsbank.com.au/Client_Theme/imgs/logo-desktop.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2025-09-15T01:05:05Z",
  "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":2.0,"base_rate_pct":2.0,"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":null,"interest_paid":"annually","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"personal","kind":"intro","rate_pct":2.0,"base_rate_pct":2.0,"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":null,"interest_paid":"annually","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":2.0,"base_rate_pct":2.0,"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":null,"interest_paid":"annually","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"business","kind":"ongoing","rate_pct":0.75,"base_rate_pct":0.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Club","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k2","restrictions":["christmas_club"],"record_stale":true},
      {"segment":"business","kind":"intro","rate_pct":0.75,"base_rate_pct":0.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Club","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k2","restrictions":["christmas_club"],"record_stale":true},
      {"segment":"business","kind":"base","rate_pct":0.75,"base_rate_pct":0.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Club","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k2","restrictions":["christmas_club"],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2025-04-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "a $5 fee applies to each over-the-counter transaction in a branch",
        "interest is paid once a year on 30 June"
      ],
      "k2": [
        "not updated by the bank since 2025-09-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "a Christmas club account: withdrawals are restricted for most of the year",
        "Associations and club accounts eligible",
        "interest is paid once a year on 30 November",
        "no withdrawals during the year; funds are paid to your nominated account on 1 December"
      ]
    },
    "unranked": {
      "products": 4,
      "transaction_account": 2,
      "offset_account": 1,
      "other_product": 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": "S2_Sav",
      "product_name": "Card Free Account",
      "product_label": "Card Free Account",
      "product_slug": "card-free-account",
      "page": "/au/finance/savings-accounts/accounts/swsbank/card-free-account/",
      "product_url": "https://www.swsbank.com.au/accounts/everyday-accounts/card-free-account/",
      "rate_correction": null,
      "interest_paid_correction": {
        "quote": "Interest Income : Calculated daily, paid annually 30 June",
        "url": "https://www.swsbank.com.au/accounts/everyday-accounts/card-free-account/",
        "checked": "2026-11-01",
        "citation": {
          "quote": "Interest Income : Calculated daily, paid annually 30 June",
          "url": "https://www.swsbank.com.au/accounts/everyday-accounts/card-free-account/#:~:text=Interest%20Income%20%3A%20Calculated%20daily%2C%20paid%20annually%2030%20June",
          "document_sha256": "3ec19f9d19f53bab7236c3ffee545a65d482af5a0e307c7b44d1acdd17cef371",
          "confirmed": "2026-11-13"
        }
      },
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal",
        "business"
      ],
      "segment": "personal",
      "description": "Card Free Account",
      "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": 0.01,
          "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": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "unlimited_transactions": false,
        "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",
        "notifications"
      ],
      "interest_paid": "annually",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 13,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-09-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "interest is paid once a year on 30 June"
      ],
      "eligibility": [
        "residency: Australian citizen or permanent resident"
      ],
      "record_stale": true,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S2_Sav",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/swsbank/S2_Sav.json",
      "snapshot_at": "2026-10-22T13:25:49Z",
      "bank_last_updated": "2025-09-15T10:57:55.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.swsbank.com.au/accounts/everyday-accounts/card-free-account/",
          "https://swsbank.com.au/reusable-documents/tc/swsbank-conditions-of-use/",
          "https://swsbank.com.au/reusable-documents/tc/swsbank-summary-of-accounts-and-access-facilities/",
          "https://swsbank.com.au/reusable-documents/tc/swsbank-schedule-of-fees-and-charges-oct-2024/",
          "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/",
          "https://www.swsbank.com.au/help-support/rates-fees/interest-rates/"
        ]
      }
    },
    {
      "product_id": "S5_Xmas",
      "product_name": "Christmas Club",
      "product_label": "Christmas Club",
      "product_slug": "christmas-club",
      "page": "/au/finance/savings-accounts/accounts/swsbank/christmas-club/",
      "product_url": "https://www.swsbank.com.au/accounts/savings-accounts/christmas-club/",
      "rate_correction": null,
      "interest_paid_correction": {
        "quote": "Interest is calculated daily and paid annually on 30 November each year",
        "url": "https://www.swsbank.com.au/accounts/savings-accounts/christmas-club/",
        "checked": "2026-11-01",
        "citation": {
          "quote": "Interest is calculated daily and paid annually on 30 November each year",
          "url": "https://www.swsbank.com.au/accounts/savings-accounts/christmas-club/#:~:text=Interest%20is%20calculated%20daily%20and,on%2030%20November%20each%20year",
          "document_sha256": "9e97a73f27390b2bca31caa8822a61d2781ea46ddcef50d9735c0ab006ed031f",
          "confirmed": "2026-11-13"
        }
      },
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal",
        "business"
      ],
      "segment": "personal",
      "description": "Christmas Club",
      "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": 0.75,
          "intro_pct": null,
          "base_pct": 0.75
        },
        "50000": {
          "ongoing_pct": 0.75,
          "intro_pct": null,
          "base_pct": 0.75
        },
        "250000": {
          "ongoing_pct": 0.75,
          "intro_pct": null,
          "base_pct": 0.75
        }
      },
      "rankings": [
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 31,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 38,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 39,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 10000,
          "rank": 32,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 50000,
          "rank": 39,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 250000,
          "rank": 40,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 10000,
          "rank": 29,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 50000,
          "rank": 36,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "base",
          "balance": 250000,
          "rank": 37,
          "of": 42
        }
      ],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "unlimited_transactions": false,
        "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",
        "notifications"
      ],
      "interest_paid": "annually",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 13,
      "age_max": null,
      "restrictions": [
        "christmas_club"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-09-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "a Christmas club account: withdrawals are restricted for most of the year",
        "Associations and club accounts eligible",
        "interest is paid once a year on 30 November",
        "no withdrawals during the year; funds are paid to your nominated account on 1 December"
      ],
      "eligibility": [
        "Associations and club accounts eligible",
        "residency: Australian citizen or permanent resident"
      ],
      "record_stale": true,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S5_Xmas",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/swsbank/S5_Xmas.json",
      "snapshot_at": "2026-10-22T13:25:49Z",
      "bank_last_updated": "2025-09-15T10:58:26.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.swsbank.com.au/accounts/savings-accounts/christmas-club/",
          "https://swsbank.com.au/reusable-documents/tc/swsbank-conditions-of-use/",
          "https://swsbank.com.au/reusable-documents/tc/swsbank-summary-of-accounts-and-access-facilities/",
          "https://swsbank.com.au/reusable-documents/tc/swsbank-schedule-of-fees-and-charges-oct-2024/",
          "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/",
          "https://www.swsbank.com.au/help-support/rates-fees/interest-rates/"
        ]
      }
    },
    {
      "product_id": "S7_7DN",
      "product_name": "Goal Account",
      "product_label": "Goal Account",
      "product_slug": "goal-account",
      "page": "/au/finance/savings-accounts/accounts/swsbank/goal-account/",
      "product_url": "https://www.swsbank.com.au/accounts/everyday-accounts/goal-account/",
      "rate_correction": null,
      "interest_paid_correction": {
        "quote": "Interest calculated daily and paid annually on 30 June",
        "url": "https://www.swsbank.com.au/accounts/everyday-accounts/goal-account/",
        "checked": "2026-11-01",
        "citation": {
          "quote": "Interest calculated daily and paid annually on 30 June",
          "url": "https://www.swsbank.com.au/accounts/everyday-accounts/goal-account/#:~:text=Interest%20calculated%20daily%20and%20paid%20annually%20on%2030%20June",
          "document_sha256": "2996b5477c2596de4e53ee2ff127b2daa18ac00efd683242a549ceb9f0bf7760",
          "confirmed": "2026-11-13"
        }
      },
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Goal Account",
      "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": 0.25,
          "intro_pct": null,
          "base_pct": 0.25
        },
        "50000": {
          "ongoing_pct": 0.25,
          "intro_pct": null,
          "base_pct": 0.25
        },
        "250000": {
          "ongoing_pct": 0.25,
          "intro_pct": null,
          "base_pct": 0.25
        }
      },
      "rankings": [],
      "features": {
        "card_access": false,
        "card": null,
        "digital_wallets": [],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "unlimited_transactions": false,
        "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",
        "notifications"
      ],
      "interest_paid": "annually",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 13,
      "age_max": null,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2025-09-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "interest is paid once a year on 30 June"
      ],
      "eligibility": [
        "residency: Australian citizen or permanent resident"
      ],
      "record_stale": true,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S7_7DN",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/swsbank/S7_7DN.json",
      "snapshot_at": "2026-10-22T13:25:49Z",
      "bank_last_updated": "2025-09-15T10:58:51.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.swsbank.com.au/accounts/everyday-accounts/goal-account/",
          "https://swsbank.com.au/reusable-documents/tc/swsbank-conditions-of-use/",
          "https://swsbank.com.au/reusable-documents/tc/swsbank-summary-of-accounts-and-access-facilities/",
          "https://swsbank.com.au/reusable-documents/tc/swsbank-schedule-of-fees-and-charges-oct-2024/",
          "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/",
          "https://www.swsbank.com.au/help-support/rates-fees/interest-rates/"
        ]
      }
    },
    {
      "product_id": "S8_SSav",
      "product_name": "Junior Account",
      "product_label": "Junior Account",
      "product_slug": "junior-account",
      "page": "/au/finance/savings-accounts/accounts/swsbank/junior-account/",
      "product_url": "https://www.swsbank.com.au/accounts/junior-accounts/junior-account/",
      "rate_correction": null,
      "interest_paid_correction": {
        "quote": "Interest calculated daily and paid annually on 30 June each year",
        "url": "https://www.swsbank.com.au/accounts/junior-accounts/junior-account/",
        "checked": "2026-11-01",
        "citation": {
          "quote": "Interest calculated daily and paid annually on 30 June each year",
          "url": "https://www.swsbank.com.au/accounts/junior-accounts/junior-account/#:~:text=Interest%20calculated%20daily%20and%20paid,on%2030%20June%20each%20year",
          "document_sha256": "5d6f2c4bd20cda51bc0a284222df04d31a7bd115e645f9984a49c15d7162933f",
          "confirmed": "2026-11-13"
        }
      },
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Junior Account",
      "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": 1.5,
          "intro_pct": null,
          "base_pct": 1.5
        },
        "50000": {
          "ongoing_pct": 1.5,
          "intro_pct": null,
          "base_pct": 1.5
        },
        "250000": {
          "ongoing_pct": 1.5,
          "intro_pct": null,
          "base_pct": 1.5
        }
      },
      "rankings": [],
      "features": {
        "card_access": true,
        "card": "Visa Debit Card Available, no paywave facility",
        "digital_wallets": [
          "Apple Pay, Google Pay and Samsung Pay available"
        ],
        "osko": true,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "unlimited_transactions": false,
        "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",
        "notifications",
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      ],
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